ComplaintsforMSW Capital LLC

• Initial Complaint

  06/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Hey I need to know how to get a Lien Released on a 2012 ************** vin number ***************** Tiltle Number # ********* I had a lien on This Vechicle in 2014 Through Mariner Finance They Sold it to Your Company But I do not know How much i Owe Or Who do i Contact to Resolve This Issue. Please contact me Through My Email Address Thank You

  Business response

  06/16/2024

  
  June 14th 2024
  
  
  Re:         *************************; 
  BBB Case #:   ********
  MSW Ref #:   **********
  
  
  ******************:
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.   You did have an account with Mariner Finance (formally Sunbelt Credit), accounting ending in 8758, which they sold to MSW Capital, LLC back in December 2015.    There were never any payments made on this obligation.   To resolve, you can contact P&B Capital Group and then can work with you on resolution.   They are one of our collection agencies.   I have also notified them they could reach out to you as well and provided them with your contact information that was included in this complaint. 
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  P&B will handle this with you and then communicate with us when its resolved.  Then we can work with Mariner Finance on release of your lien/title provided there are no other obligations attached to that title.   We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

  Customer response

  06/17/2024

   
  Complaint: 21814598
  
  I am rejecting this response because: I HAVE Contacted P&B CAPITAL GROUP AND THEY HAVE SAID THEY DONT HAVE MY ACCOUNT
  
  Sincerely,
  
  ***************************

  Business response

  07/14/2024

  July 14th, 2024
  
  
  Re:         *************************; 
  BBB Case #:   ********
  MSW Ref #:   **********
  
  
  ******************:
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint. 
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.   You did have an account with Mariner Finance (formally Sunbelt Credit), accounting ending in 8758, which they sold to MSW Capital, LLC back in December 2015.    There were never any payments made on this obligation.   To resolve, you can contact P&B Capital Group and then can work with you on resolution.   They are one of our collection agencies.   I have also notified them they could reach out to you as well and provided them with your contact information that was included in this complaint. 
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  P&B will handle this with you and then communicate with us when its resolved.  Then we can work with Mariner Finance on release of your lien/title provided there are no other obligations attached to that title.   We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  Additional Resolution:    We have been made aware you have contacted P&B Capital Group and made payment for this account.    Since you have made the payment which has been remitted to us, we have contacted Mariner Finance who had the lien out on the vehicle and asked them to release not only the lien but the title on the vehicle.   We appreciate you taking care of this matter and glad we were able to resolve this account with/for you.  
  If youd like you can contact your local Mariner branch which may be able to facilitate this matter even quicker for you because they were the business that placed the original lien. 
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

  Customer response

  07/15/2024

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

• Initial Complaint

  05/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom this may ******** I ******************************* Have no Knowledge of this debt with the CREDIT ONE BANK, I have been contacted by a company named AFS. Phone number ************* As well as MSW Capital LLC ************ for collections to a debt I have not signed any documents in regards to this debt.

  Business response

  05/19/2024

  May 19th, 2024
  
  
  Re:         ******************************;        
  BBB Case #:   ********
  MSW Ref #:   532794539
  
  
  ****************:
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint.   In your BBB complaint you stated that you have/had no knowledge of this debt from *************** and were contacted by a company named AFS. 
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.   You did have an account with ***************, accounting ending in 9423, which they sold to MSW Capital, LLC back in February 2013.   Your account was opened on August 21st, 2007, and was charged off by *************** on January 27th, 2013.   
  
  This account was paid in full through one of our collection agencies **************** back in 2017.   We were the rightful owners of this debt at the time and still are today.    This account, ending in 9423) is closed and cannot be collected on by anyone else.   We cannot speak on behalf of any other account other than 9423 because that was the only one we purchased.    Additionally, we have never been affiliated with or heard of AFS.   They were never a part of our collection network. 
  
  I hope this clears up your question, at least surrounding your account that ends with 9423 purchased by us from *************** back in Feb 2013.  That account is considered closed and was paid.  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

• Initial Complaint

  03/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I need a payoff and release of a judgment in Polk County, ****.Title: MSW CAPITAL LLC VS *********************** Case: ***** SCSC565972 (****)Please send it to or contact my lawyer immediately:************ ******************** ************

• Initial Complaint

  09/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  MSW ******* bought a debt that I had from SunBelt with my car title as collateral. I had paid the debt in full and received a letter confirming this. I have tried contacting MSW several times and the phone line goes strait to a busy signal and disconnects. The other number I found has some kind of medical alert scam sounding recordings. All I want is my car title.

  Business response

  09/24/2023

  September 23rd, 2023
  
  
  Re:         ********************;            
  BBB Case: *********
  MSW Ref #:  8118009950
  
  ************:
  
  We are in receipt of your correspondence from the Better Business Bureau, BBB Case Number ********* and have finished our review.    
  
  MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms.  MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. 
  
  In response to your claim that you just want your car title.  We do show this account that was used as collateral for your vehicle is indeed paid.  This account was purchased from Mariner Finance back in December 2015 (this was the same Sunbelt account though which you referenced in your complaint.   We needed a bit of time to research thoroughly, to see if a title was provided with the purchase in 2015.    We never received the actual title for the *** ID:  *****************.   We are unable to provide you the actual title because we are not in possession of it.  It is still possible that Mariner Finance (perhaps the specific branch in which you originally applied using this vehicle as collateral) may have retained the physical copy.   I reviewed the *********** DMV site to see if by chance this was an electronic title (which happens on occasion) and then it could be released electronically but this does show its a paper title (see below)   
  
  
  Vehicle Information Check
  
  Vehicle Information:
  Vehicle Identification Number: ***************** Year/Make: 2009 ****** MOTOR OF ******* INC
  Previous Title ************** Registration Expiration Date: 1/27/2024
  Title: ********* Title Issue Date: 7/5/2012
  Title Status: ACTIVE Title Print Date:
  Odometer Reading/Status: ****** ACTUAL MILEAGE Odometer Date: 5/28/2011
  Color: BLACK Vehicle Type: AUTO
  Net Weight: ***** Owner Information: 1 owner
  Paper Title with Lien Salvage:
  Brands:
  
  
  Lien Information
  Name Address Date Receipt Date
  SUNBELT CREDIT *********** OF FL *****************************************************
  *****, ** 34470-0000 3/30/2012
  
  
  
  We apologize that we are not able to provide you with the physical title.  
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.   We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review this matter for you and hopefully assist you moving forward.  
  
  
  Sincerely,
  
  MSW Capital, LLC

• Initial Complaint

  08/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Trying to obtain info to send msw capital LLC. Just received a notice that they are trying to *** me but this is the first of heard of this. Have not received any other info until now. Whom is this company, who is the original debtor? And how much is owed? Trying to contact them but they have no phone number. Is the address correct filed with bbb?

  Business response

  08/27/2023

  
  August 27th, 2023
  
  
  Re:         ******* Davis      
  BBB Case: ********
  MSW Ref #:  534016431
  
  **************:
  
  We are in receipt of your correspondence from the Better Business Bureau, BBB Case Number ******** and have finished our temporary review.    
  
  MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms.  MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. 
  
  In response to your claim that you just received notice that we are trying to *** you and have not received any information yet.   We will need more information from you.    MSW Capital, LLC is the full owner of this debt with the last 8 of this credit card as 09007420.    First, you want to make sure that the paperwork matches.   We have not sold this debt to anyone else.   Currently, no law firm within MSW Capital, LLCs network is attempting to *** you for this debt.    Only a law firm, on behalf of MSW Capital, can legally *** you for repayment and we have not done so, so at first glance, this would appear to be some type of fraudulent collection activity. 
  
  The account itself is a Credit Card that was opened by *************** back in 2012.   This was subsequently charged off by *************** in 2013 (almost 1 year later) and sold to MSW Capital, LLC in March 2013 through ******* Originator III.    I have also included the Chain of Title/Bill of Sale which are legal documents and which your account was included.    As stated above we have no law firm attempting to *** you on our behalf.   We have closed this account and it has been closed for years.   There is no current collection activity occurring on this account.  To be certain this has no ties to MSW and is a fraudulent collection attempt by another organization, I would ask for the name of that company so we can report them back to Credit One back and *******.   Furthermore, any law firm or agency attempting to collect this debt outside of our network legally would have to have purchased it from MSW Capital, LLC which has not happened.  
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.   We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review this matter for you and hopefully assist you moving forward.  
  
  
  Sincerely,
  
  
  MSW Capital, LLC

  Customer response

  08/28/2023

   
  Complaint: 20518988
  
  I am rejecting this response because: MSW CAPITAL is needing more information; there is a case in *************************** *******************************************************************: CASE NUMBER: 49D11-1705-CC-020716: MSW CAPITAL LLC VS *************************: please look into this because if its fraudulent then the case need to be closed and court needs to be aware of this. ******** attached to this case is ***************************, ***************** ***************************************, and ************************************  
  
  Sincerely,
  
  *************************

  Business response

  08/31/2023

  In your message you stated that you were being sued; however, it wasn't a new suit so that's why we were initially confused and assuming there had to be an issue.    In reference to that court docket/case that you listed.   This court case hasn't been touched since 2017.    This law firm is no longer in business and the court is setting the case for dismissal.    See the attached notice.    As you can see, this was filed in early 2017.  Nothing has been done on this case by that firm and it would appear the court is clearing it off it's docket because of the length of time it's been open.   

  The last note from the court states  "Hearing on Motion for Dismissal"

   

  Thank you!

   

  Customer response

  09/05/2023

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

• Initial Complaint

  05/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had a lein with mariner finance since 2013 . I have been trying to contact MSW( who bought the debt) for o whole year and have not been successful in getting anyone on the phone at all. All I want to do is pay this pain off and move on with life! This is insane

  Business response

  06/04/2023

  June 3rd, 2023
  
  
  Re:         ***************************;       
  BBB Case #:   20101364
  MSW Ref #:  **********
  
  
  **********************:
  
  
  We are in receipt of your correspondence from the BBB Case Number 20101364.  In your BBB complaint you stated that you had a Mariner Finance account which was sold to MSW Capital, LLC with a lien that you would like to pay off.  
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.  
  
  We have contacted one of our collection agencies who will attempt to contact you to resolve this outstanding debt.    ********** is P&B Capital Group.   We,through our agencies, have attempted resolution on this account in the past without any success.   They will be in touch shortly; however, If youd like to reach out to them to resolve, they can be reached at ************.   Their corporate address is *************************************************
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

• Initial Complaint

  04/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a loan from Mariner Finance **********************************************************************************-************ September 2014 for the amount $1395.07. I was not aware there was a second lien was put on my car. I was told in 2020 the loan had been sold to MSW capital LLC I spoke to someone and a settlement was offered but due to health issues I was not able to complete that settlement. I have been trying to reach MSW **************************************************************** at the provided number ************ ref # **********. I have not been able to reach anyone. I need to have MSW to contact me to resolve this issue so I can get my car title cleared ASAP thank you

  Business response

  04/22/2023

  April 22nd, 2023
  
  
  Re:         *************************                
  BBB Case #:   ********
  MSW Ref #:   8150002502
  
  
  ****************:
  
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint.   In your BBB complaint you stated that you had an account sent to **********************, LLC from Mariner Finance in 2019.  You also mentioned not being able to contact anyone yet from our company.     
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.  
  
  First,Id like to apologize for the lack of contact.  We had placed this out with one of our collection agencies and they are no longer in business.    We have also taken a drastic hit to our staffing due to the pandemic and this was an oversight.   I have forwarded your information over to one of our collection agencies (P&B Capital Group) who will be reaching out to you to resolve.  If youd like to reach out to them to resolve, they can be reached at ************.   Their corporate address is **********************************************************     I ask that you just give them a few days since I just sent them a message regarding your situation this evening.   They will need a few days to review the information on your account and reach out to your contact information you left on file with the BBB. 
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

• Initial Complaint

  04/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I had a credit card that was charged off and sent to MSW Capital LLC back in 2019. I paid it off in May of 2019. I am now receiving calls that the credit card company, Credit One, is suing me for the credit card even though it was handled. I have been trying to reach out to MSW to get whatever document they sent originally because I can't find it so I can send it to the law firm. When I call the only number available it asks for my ssn so they can transfer me to the correct place it doesn't do anything. I can't get a hold of them and I need some information. There is no website for me to go to anymore so I can log in. I made my payments on a website and it can't find it.

  Business response

  04/20/2023

  April 20th, 2023
  
  
  Re:         Jourdan York     
  BBB Case #:   ********
  MSW Ref #:   554230060
  
  
  ***************************** (York):
  
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint.   In your BBB complaint you stated that you had an account sent to MSW Capital, LLC in 2019 and that you paid it off in 2019. 
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.  
  
  We want to correct some information based on this complaint due to possible inaccuracies.  MSW Capital, LLC purchased an account (****************)from *************** in December 2013.   This account ending in **** was charged off in November 2013.    This account was subsequently sold to Encore Capital Group / ************************* (MCM) in June 2015.   MSW Capital, LLC has not had any additional contact regarding this debt since June 2015.  We obviously cant speak to anything that has happened to/with this account since the date we sold it.  You would need to speak with Encore Capital Group / MCM regarding this specific account (last 4 of original account number are *****.
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

  Customer response

  04/20/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Knowing the name of the company they sent it to has helped me be able to contact them and get the answers I needed. Thank you. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  02/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a loan with Mariner finance back in 2015 with an auto loan. Which they still have my title, an I can not release it due to it being electronic loan. a they sold my loan to Msw capital an Ive been calling Msw capital a they have not responded to me. I really need to resolve this ASAP. I have paid this loan and I still can not get my title. When calling it tells you after the first try the number is not in service.

  Business response

  02/11/2023

  
  February 11th, 2023
  
  
  Re:         *****************************                
  BBB Case #:   ********
  MSW Ref #:   **********
  
  
  *****************************:
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint.   In your BBB complaint you stated that you have previously taken care of this debt and looking to get your lien released off the vehicle.      
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.  
  
  We agree with you that this debt has been previously paid.   There were letters of lien release that were previously sent out years ago (back in 2016) when this was settled.   Its possible you didnt notice them because they were from MSW Capital, LLC and not from ******* Law.   ******* Law was the law firm who you made the settlement agreement with. 
  
  I have attached a letter from MSW Capital, LLC that I just drafted today confirming the account is paid and lien is ok to be released.   Because it is an electronic lien and the lien is still showing Mariner Finance, they would need to assist in having that electronic lien release removed.    We will contact them to assist in releasing your lien but also, if youve spoken to Mariner Finance or have a local branch nearby it may be just as quick to show them the settled payment letter from MSW Capital, LLC so they can remove it as soon as possible. 
  
  I appreciate you contacting MSW/BBB so that we can help you resolve this matter.   Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

• Initial Complaint

  01/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out a car title loan 10 year ago with Mariner Finance. The debt owed according to Mariner Finance is for $$960.65. They are not able to take payments. I need to settle this debt so I can sell the vehicle. My email is ****************************** Phone number is **********. Please contact me because My attorney and I have tried to call ************** several times and no one answers. I need a ten day payoff for the dealership to buy my car.

  Business response

  01/30/2023

  January 30th, 2023
  
  
  Re:         *****************************;     
  BBB Case #:   ********
  MSW Ref #:   8114008475
  
  
  **********************:
  
  We are in receipt of your correspondence from the BBB Case Number ******** and have completed our research into your complaint.   In your BBB complaint you stated that you wanted to resolve the debt and needed to do it quickly because a dealership wants to buy your car.       
  
  MSW Capital, LLC is a passive debt buyer meaning that we purchase debt which has been defaulted on due to non-payment and we do outsource the debt to our collection agencies and collection law firms to handle the debt with our customers.  
  
  We apologize in the delay it has taken to respond by us; however, due to the ongoing pandemic, we have had to make drastic cuts to personnel over the last year so certain processes are taking a little bit longer than normal.   I appreciate you contacting MSW/BBB so that we can help you resolve this matter.   
  
  We understand through one of our agencies (P&B Capital Group) that you have contacted them to resolve the account balance.    They have been in contact with us, and we have agreed to settle the account for less than the full balance and that have communicated that to you to hopefully expedite this issue.   Once the situation is resolved then we can work with Mariner Finance on removing the electronic lien they placed on the vehicle prior to MSW Capital purchasing the debt.     
  
  Our goal is always to try and assist every customer in resolving their accounts in accordance with the ***** and all other Federal and State laws and guidelines.  We appreciate you bringing this to the BBB and allowing MSW Capital, LLC a chance to review your case thoroughly and attempt resolution on your behalf.  
  
  
  
  
  Sincerely,
  
  
  
  MSW Capital, LLC

*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. ↩