Business Profile

Loans

Mariner Finance, LLC

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

This profile includes complaints for Mariner Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

425 total complaints in the last 3 years.
160 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

Initial Complaint
Date:04/28/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing this complaint regarding Mariner Finance, LLC.This account was charged off in February 2024 and later reported as written off in March 2025. Once an account is charged off and/or written off, it should be closed and reported accurately as a final balance. Instead, Mariner Finance continues to report this account as past due every month after the charge-off date, which is inaccurate and misleading.Additionally, Mariner Finance inflated the balance after charge-off by adding unauthorized interest and late fees, despite no provision in the original contract allowing post-charge-off interest accumulation. They failed to provide a full, itemized breakdown explaining how the inflated payoff amount of $953.58 was calculated after the charge-off.I provided extensive documentation in my disputes, including the original loan agreement and proof of false reporting. Despite this, Mariner Finance and the credit bureaus failed to correct the errors, causing significant harm to my credit standing and emotional distress.These actions violate my rights under the Fair Credit Reporting Act (FCRA) 607(b) and 611, and may also constitute deceptive practices under the Fair Debt Collection Practices Act (FDCPA).I am requesting that Mariner Finance immediately delete this account from all ********************** reporting agencies or accurately report it as closed with no past due amounts after the charge-off date. I also request any agencies receiving this complaint ensure full investigation and compliance with all consumer protection laws.
Business Response
Date: 04/28/2025
Thank you for bringing this matter to our attention. We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint. Ms. ****** entered into the loan agreement with Mariner Finance, LLC (Mariner) on March 26, 2021. Ms. ****** failed to make payments as contractually agreed, and as a result, the defaulted account was classified as a charge-off account, which remains legally collectable. Ms. ******* balance at the time of charge-off was $671.35. However, as outlined in the contract, interest will continue to accrue until the loan is paid in full. The $954 referenced in Ms.Millers complaint represents the account balance through March 31, 2025 including accrued interest.

On March 28, 2025, Ms. ****** contacted Mariner and requested an updated statement, which was mailed to her per her request. During the call, ********* was offered a reduced settlement for the principal balance of $671.35. Ms. ****** accepted the offer,and advised that she would mail a cashiers check for the agreed amount. However, as of the receipt of this complaint,no payment has been received. ******************* has acknowledged the default status of the account and the balance owed, she continues to submit automated credit disputes claiming inaccurate reporting in relation to her loan. All disputes received have been thoroughly reviewed and responded to as accurately reporting.

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 ****************** (CRA) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report, and for how long. Based on our review, the account experience information furnished by Mariner is accurate. Given this, we are unable to honor Ms. ******* request to alter the information. Ms. ****** recently submitted a similar complaint to the ***** to which Mariner responded.
As an additional courtesy, Mariner has mailed another copy of the original contract, as well as an additional copy of the payment history. We encourage Ms. ****** to retain these documents for her records. For any additional questions regarding the account, or to make a payment, Ms. ****** may contact Mariners ******************* at ************.
Customer Answer
Date: 04/28/2025
Thank you for responding. However, Mariner Finances response does not address the core of my dispute.

While Mariner claims that interest continued to accrue according to the contract, they have failed to provide a full original signed agreement showing that post-charge-off interest is authorized. To date, I have only received a basic portal download version, which is incomplete and does not outline or authorize these charges. Despite multiple requests, Mariner has refused to provide this critical documentation via certified mail or direct email, even though they were willing to email me a settlement offer directly.

Additionally, while I agreed verbally to a potential settlement of $671.35, no payment was made, and therefore no binding agreement exists. I have exercised my rights under the **** to dispute inaccurate reporting based on the failure of Mariner to validate the debt properly. Mariners continued misreporting of the account as past due after a February 2024 charge-off, and the addition of unvalidated fees and interest, has caused ongoing credit damage and emotional distress.

I respectfully request that Mariner Finance either:
1.Provide a full, signed original contract explicitly authorizing post-charge-off interest, OR
2.Immediately delete the account from all ********************** reporting agencies due to failure to properly validate the debt.

Until such time as a valid, legally sufficient contract is produced, and all amounts are validated properly, this matter remains unresolved.
Customer Answer
Date: 04/28/2025

Complaint: 23253850

I am rejecting this response because:
Thank you for responding. However, Mariner Finances response does not address the core of my dispute.

While Mariner claims that interest continued to accrue according to the contract, they have failed to provide a full original signed agreement showing that post-charge-off interest is authorized. To date, I have only received a basic portal download version, which is incomplete and does not outline or authorize these charges. Despite multiple requests, Mariner has refused to provide this critical documentation via certified mail or direct email, even though they were willing to email me a settlement offer directly.

Additionally, while I agreed verbally to a potential settlement of $671.35, no payment was made, and therefore no binding agreement exists. I have exercised my rights under the **** to dispute inaccurate reporting based on the failure of Mariner to validate the debt properly. Mariners continued misreporting of the account as past due after a February 2024 charge-off, and the addition of unvalidated fees and interest, has caused ongoing credit damage and emotional distress.

I respectfully request that Mariner Finance either:
1.Provide a full, signed original contract explicitly authorizing post-charge-off interest, OR
2.Immediately delete the account from all ********************** reporting agencies due to failure to properly validate the debt.

Until such time as a valid, legally sufficient contract is produced, and all amounts are validated properly, this matter remains unresolved.
Sincerely,

****** ******

Business Response
Date: 04/29/2025
Thank you for the additional feedback. As advised in our initial response, Ms. ******** contract, which she acknowledged and accepted by applying her signature, clearly states that interest will continue to accrue until the loan is paid in full. Ms. ****** has been provided with several copies of her loan agreement, including an additional copy that was recently mailed to her. Mariner has thoroughly addressed Ms. ******** inquiry and encourage her to contact Mariner's ******************* at ************, with any additional questions or to make a payment.
Customer Answer
Date: 04/29/2025

Complaint: 23253850

I am rejecting this response because:

Mariner Finance continues to misrepresent the facts of this situation. Despite multiple requests, I have never received a signed copy of the original loan agreement showing that interest or fees can legally be charged after the account was charged off and written off and closed.

The only document I have is a basic version I downloaded personally from their online portal not something Mariner Finance ever mailed or emailed to me and nowhere in that agreement does it say these fees ans charges can exist. The only document Mariner sent me after repeated requests was a generic payment history, which only shows a balance of $671 at the time of default. Despite being asked for validation under the Fair Credit Reporting Act, they continue to avoid providing full documentation, including an itemized breakdown of added interest and fees after charge-off.

They have never provided any explanation or breakdown of how the balance reached $954, nor have they cited a contractual clause authorizing interest to continue on a closed, charged-off account. I am still requesting a full signed loan contract with those terms and a detailed explanation of the inflated charges. Until such time, their reporting and collection practices remain unresolved, and I am pursuing further action. due to Mariner Finance negligent and violation of the FCR

Sincerely,

****** ******
Initial Complaint
Date:04/23/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have disputed this account several times with this company and has not received and validation of debt, but yet they are continuing to keep reporting this to my credit report. Also I have noticed that the dates on this account for supposedly when it was open and last payment days have all been change. This account was due to fall off but because they have changed the dates and continue to report it to my credit reports its still there. I am requesting this company remove this account from all 3 ********************** bureaus. I filed my complaints with ********, Equifax and ********** and they keep saying it was verified but Ive not received and paper work.
Business Response
Date: 04/29/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
********** ***** entered into a loan agreement with Mariner Finance LLC (Mariner) on August 18, 2021. The executed contracted required one payment of $152.06, followed by twenty-nine payments of $124.28. Ms. ***** submitted three payments via recurring ACH payment. However, two of the three payments were later returned from her financial institution with the return reason, Insufficient ***************************** failed to submit payments as contractually agreed, despite multiple unsuccessful attempts to contact her, the defaulted account was ultimately classified as a charged-off account, and later sold to ************************ (Brightwater) on December 6, 2022.
Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the nationwide Credit ****************** (CRA) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report and for how long. Based on our review, Ms. ****** account is accurately reporting and accurately reflects as having been sold to another creditor. Given this, we are unable to honor her request to alter the information.
While Mariner has no record of receiving a prior validation request from Ms. ****** she was provided a copy of the loan agreement and all related documentation at the time she acknowledged the terms and signed the loan agreement. For any further questions regarding her loan,including a request for additional copies of the loan documents, she may contact Brightwater at ************.
Customer Answer
Date: 04/29/2025

Complaint: 23238516

I am rejecting this response because;
In accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Identify the original creditor;
Provide a verification or copy of any judgment (if applicable);
Show me that you are licensed in my state, and provide me with your license numbers (if applicable).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, Iknow that:
You cannot add interest or fees except those allowed by the original contract and state law.

You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt.

Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the ****** Any attempt to collect this debt without validating it, violates the ****** Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the ************************ and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the **** 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

********** *****
**********************************************
***********************
Business Response
Date: 05/01/2025
As advised in our prior response, the consumer was provided a copy of the loan agreement and all related documentation at the time the loan was executed. Furthermore, Mr. ****** complaint refers to the obligations of a third-party debt collector, but Mariner is the original creditor. Additionally, in order to protect the confidential information of our customers, ********************** requires verification of the requestor's identity prior to providing additional copies of loan or loan related documents. However, since the address provided with this complaint matches the address of record, Mariner has mailed a copy of the original contract and payment history. We encourage Ms. ***** to contact ************************ at ************ for any additional questions or requests regarding her loan.
Customer Answer
Date: 05/02/2025

Complaint: 23238516

I am rejecting this response because I ********** ***** have not taken out a loan with Mariner. I have disputed this account before and have yet to receive written/mailed correspondence from the creditor regarding this charge off account. If documentation is not provided within 30 days it is supposed to be deleted from reports, this is my third dispute with no paperwork of verification. The account should have been deleted from reports. Please remove account from reports.

Sincerely,

********** *****
Initial Complaint
Date:04/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a loan,if I was off from my job due to surgery or whatever was specific. I got a ********************** on Dec 17, 2024,stay in the hospital until DEC *******. I call about my disability insure and was told I do not have it. I call one day again and the main office answer the phone and then I was told I do have the disability insure. I talk to the branch manager ***** ******** and explain I have being paying on the long since Dec 17 thru April ******* ******** and me have a disagree about an employee form that ***** will not fill that information trying to tell me he used to work for ***** and what they will do. I am tell him I just purchase a home within ****** and they will not give that information. The bottom line a paid on a loan which I should have not paid for the last 4 month. I go back to work May 1. I need for Mariner Finance to give me my money back what was in my disability contract. Bad practice to lie about this.
Business Response
Date: 04/25/2025
Thank you for bringing this matter to our attention. We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
Mr. ******** entered into the loan with Mariner Finance, LLC (Mariner) on November 14, 2024. On April 9, 2025, Mariner was made aware that Mr. ******** had recently had surgery, and may benefit from filing a disability claim, since he had elected to purchase optional disability insurance in conjunction with his loan. Mariner provided Mr. ******** with the required claims forms and upon completion, the disability claim was promptly submitted on Mr. ********* behalf. On April 18, 2025, the insurance provider advised that that Mr. ********* employer needed to complete the Employers Statement provided to Mr. *************** Upon receipt of the additional information request, Mr. ******** contacted Mariner to advise that he did not believe his employer, ****** would be willing to complete the required form, as they were previously unwilling to assist him with a request from his mortgage company.
On April 25, 2025, Mr. ******** spoke with Mariners local Assistant Vice President and confirmed that his employer is in fact willing to fill out the forms, and that the forms will be sent to Mariner via fax upon completion. Upon receipt and review of the required forms, the insurance provider will communicate a claim decision. Customers are advised to continue to make payments to avoid account delinquency until a claim determination is made. Any refunds owed to the borrower will be processed upon receipt of claim proceeds.
For any additional questions regarding this matter, *********** may contact Mariners ***************************** at ************.
Initial Complaint
Date:04/16/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was charged $149.49 on the WRONG bank account today (4/16/25). That bank account is on the verge of being shutdown and I selected my NEW bank account last month to charge them instead. I was charged $32 in overdraft fees due to insufficient funds.
Business Response
Date: 05/01/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
In his complaint, Mr. ******** alleges that Mariner falsely charged the incorrect ******** account for his April 12, 2025 payment obligation. While it is accurate that on April 1, 2025 Mr. ******** logged in to Mariners ****************************** to change his payment method, the payment disclosure displayed directly below all methods of payment clearly state: Setting an account as your default does not automatically discontinue recurring payments for another account
Because Mr. ******** failed to disable the auto pay feature prior to selecting his new payment method of choice, the payment was successfully processed on the scheduled date. Given this,Mariner is unable to honor Mr. ********* request to refund the scheduled payment and overdraft fees charged by his bank.
We appreciate the opportunity to address our borrowers concerns. For any additional questions regarding this inquiry, *********** may contact Mariners ***************************** at ************.
Customer Answer
Date: 05/01/2025

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
Date:04/09/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am the victim of identity theft. The corporation facilitated the theft and attempted to profit from it. When I refused to allow Mariner Finance to deduct unauthorized funds from my account, ********************** reported to the credit bureaus that I was a poor credit risk.
Business Response
Date: 04/10/2025
Thank you for bringing this matter to our attention. We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
The account in question was opened with ***************** (LendingPoint) on February 3, 2023, and the loan was later purchased by Mariner Finance, LLC (Mariner). ********* whose LendingPoint accounts were purchased by Mariner received several pieces of communication via mail, email,and text, from both companies regarding the transition of the account,including an acknowledgment that any acquired accounts previously set up for recurring payments, would continue on recurring payments after the transition of the account.
Based on our review, the first two recurring payment received by Mariner after acquiring the account, which posted to the account on October 17, 2024, and November 17, 2024, were both returned by the borrowers financial institution, with the return reasons, Customer Advises Not Authorized,and Payment Stopped. Mariner made numerous efforts to contact the borrower regarding the returned payments with no success. Because the account remained past due for four (4) payments, and all attempts to contact the borrower were unsuccessful, the defaulted account was referred to a collection attorney on December 24, 2024.
If the borrower would like to proceed with a fraud claim, they may complete the attached ************************ Identity Theft Victims complaint and Affidavit and return them, along with a copy of their government issued photo identification, and a police report if available, to Mariner Finance Customer Relations, ********************************************* These documents may also be provided to the local Mariner branch.
For any additional questions regarding this matter, ***** ****** may contact Mariners ***************************** at ************. To make a payment or to discuss a potential payment arrangement, the borrower may contact Attorney ************ & ******, PLLC at ************.
Initial Complaint
Date:04/07/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My ex-husband ****** *** ****** took a loan out used jeep as collateral he gifted the Jeep to me February 11 of 2024. Was unaware of the the loan he took out. So then I was forced to pay his loan for last year and few months. Along with buying new tires and having at ******** with the new tires done in parts and work done have receipts as well. He stole the tag off jeep feb 17th 2025 I contacted Mariner and finance and I let them know the games that he was playing. I do not have a loan with Mariner and finance, but they have called me many many many times to collect the payment on a loan that I didnot take out, but I have paid the loan for the last year and a couple of months and because he stole the tag I couldnt drive it. I couldnt work so he did it to make me fall behind and he did just that.. now he is defaulted on his loan I and now they want $1000 and I told him to wait until the end of this month and now its out for repossession and I just paid $2500 to have the Jeep fixed its not even. Im going to file a civil suit against him and mariner and finance. I want all the money refunded that **** paid on his loan. I didnt have to pay it but I am woman of principle and try to do whats right. Im tired of being screwed over. May just have a mechanics lien placed against the vehicle because he didnt flip the bill. **** ****** did though.
Business Response
Date: 04/09/2025
Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
Ms. ****** is not a listed borrower or co-borrower on any account with **********************. However, on March 22, 2024, Mariner received a signed third-party authorization from the account ******, ****** *** ****** III, authorizing ************* ***** to be able to obtain information regarding his account.
The account in question is secured by a perfected lien on a ******************************** the name of Mr. ****** and is currently due for March 25, 2025. As previously advised, Ms. ****** is not a listed borrower or co-borrower on the loan, nor is she contractually bound to the loan agreement.
With Mr. ****** having provided authorization for Ms. ****** to access information regarding the account, Ms. ****** has contacted Mariner on numerous occasions to manage the account. However, based on this communication through the BBB, we have documented her phone number to reflect no additional phone calls from Mariner regarding the account in question.
Mariner is not responsible for any arrangements made between our borrower and a third party that is not listed on the loan agreement.
Initial Complaint
Date:04/02/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with MARINERS FINANCE LLC. I do not have a contract with MARINERS FINANCE LLC they did not provide me with the original contract as I requested.
Business Response
Date: 04/07/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
Ms. ****** entered into the loan agreement with Mariner Finance, LLC (Mariner) on July 7, 2021, by cashing or depositing a prescreened firm offer of credit that was mailed to her.Because Ms. ****** defaulted on the loan by failing to make payments as contractually agreed, the account was classified as a charge-off account on February *******, and eventually sold to ******************* (Plaza) on August 5, 2024. Ms. ****** was provided a copy of the loan agreement and all related documentation at the time the loan was executed, and she may contact Plaza for additional copies of loan or related documents.
Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the Credit ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report and for how long. Based on our review of Ms. ******* account,the information furnished by Mariner to the *** is accurate. Given this, we are unable to honor Ms. ******* request to alter the information. Ms. ****** has submitted several automated credit disputes claiming both inaccurate reporting,and fraud in relation to her loan, all of which have been thoroughly reviewed and confirmed as accurately reporting.
Should Ms. ****** have additional questions regarding her loan, or to make a payment, she may contact Plaza at ************.
Initial Complaint
Date:03/31/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Im disputing this inaccurate information reporting on your credit report remove this account
Business Response
Date: 04/07/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly reviewed this complaint.
Ms. ****** entered into a Retail Installment Contract with ********************** (Northwest) on December 2, 2021. The executed contract was subsequently purchased by Mariner Finance, LLC (Mariner). Because ********* failed to make any payments as contractually agreed, despite numerous unsuccessful attempts to contact her, the defaulted account was classified as a charge-off account on September 29, 2022, which remains legally collectable.
Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the Credit ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report and for how long. Based on our review, we have determined that the account information furnished by Mariner to the *** is accurate. Given this, we are unable to honor Ms. ******* request to alter the information. ********* has submitted multiple credit disputes claiming both inaccurate credit reporting and fraud in relation to her loan, all of which have been thoroughly investigated and verified as accurately reporting.
Should Ms. ****** have additional questions regarding her account, or to discuss a potential payment arrangement or settlement offer,she may contact Mariners ******************* at ************. ************* would like to pursue a claim of identity theft in relation to her account, she must complete the attached ************************ Identity Theft Victims Complaint and Affidavit and return it, along with a copy of her government issued photo identification and police report if available, to Mariner Finance Customer Relations, ***************************************
Initial Complaint
Date:03/26/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Sent me a loan check for $2549.00 at *****% without myself applying for a loan. I dont know this company and would not deal with such loan sharks. I called this company three times now to be removed and to notify that I want no contact or to not conduct business. This is the third time they sent active checks in my name. I confronted them as if someone was to cash this check, who would be responsible for this loan. I was told I would be responsible even if I didnt cash this check. My post office has lost my mail much too often. This company should be banned from conducting business in ********
Business Response
Date: 04/03/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly reviewed this complaint.

The offer referenced in Mr. ******* complaint is a prescreened firm offer of credit in the form of a "Loan by Mail,"which is sent by Mariner Finance, LLC (Mariner) to qualified consumers that meet the selection criteria. The Loan by Mail offer included all applicable loan information and disclosures, and complies with state and federal regulations.

Per Mr. ******* request, Mariner has placed his name and address on its internal Do Not Solicit (DNS) list, and he will be removed from all future Mariner marketing campaigns. It is important to note that mailed offers are prepared up to 60 days in advance of the mailing date and as a result, it is possible that additional offers may be received within this time.

As indicated in the disclosures provided with the offer, if a consumer does not want to receive prescreened offers of credit from the company extending the offer, or from any company, the consumer may follow the instructions provided in the PRESCREEN & OPT-OUT NOTICE. Consumers may also opt out of future offers of this type by visiting *******************.

We appreciate the opportunity to address Mr. ******* concerns. Should he have additional questions regarding this matter, we invite him to contact Mariners ***************************** at ************.
Initial Complaint
Date:03/26/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ****************** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 03/31/2025
Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly reviewed this complaint.

Ms. ****** ***** entered into the loan agreement with Mariner Finance, LLC (Mariner) on May 27, 2022. Ms. ****** ***** made seventeen (17) of the required forty-one (41) loan payments as contractually agreed, but failed to submit additional payments, resulting in the account being referred to a collection attorney on March 25, 2024. Judgment was awarded in favor of Mariner on August 3, 2024, and as of the receipt of this complaint, no payments have been received in accordance with the judgment.

Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the Credit ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report and for how long. Based on our review, we have determined that the account information furnished by Mariner to the *** is accurate. Given this, we are unable to honor Ms. ****** Sakyis request to alter the information.

Should Ms. ****** ***** have additional questions regarding her account including a request for additional copies of loan documents, or to make a payment, she may contact ***** ***********, PLC at ************.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Mariner Finance, LLC is NOT a BBB Accredited Business.