ComplaintsforMariner Finance, LLC

• Initial Complaint

  02/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My mariner account is **************. I have been on time with all my payments and I’m late on this month and possibly next. We’ve had some family issues where my wife had to take care of her mother and is missing work. We just filed our tax return and hope to get the mariner account wiped out. We are currently looking at 10 weeks for our return. I’m not sure what the payoff will be but we plan to payoff. I’ve tried contacting mariner but noticed a few days ago my branch is no longer open. Can someone help?

  Business response

  02/27/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched Mr. ********* complaint.  Based on our review, Mr. ******* spoke with his servicing branch location on February 23, 2024, and we believe his concerns have been resolved.
  
  Please note that the office is not closed, but moved to a new physical location in April 2023, to which customers were notified, and the branch retained the same phone number. Mr. ******* was provided the address for the new location during his February 23rd phone call.  Should Mr. ******* have additional questions he may contact his servicing branch location, or he may contact Mariner’s Customer Relations Department at 844-338-2080.

• Initial Complaint

  02/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I obtained an auto loan through Mariner Finance in early 2016, less than a year later the vehicle on the loan was totalled in an accident and paid off by the insurance however, Mariner claimed I still owed them approximately $1,500.00. To dates over the last 6 years Mariner has continued to tack on interest to the amount they claim was owed in an effort to draw this so called collection out and restart the 7 year time frame they have to collect on it, as we enter the 7th year of this so called debt they have again claimed I now owe them almost 3 times the initial amount they claimed. I am requesting that Mariner CEASE AND DESIST ALL their collections activities ans well as remove this inaccurate information from my credit report as it is misleading and not true.

  Business response

  02/23/2024

  ****** ****** entered into a retail installment contract with South Jersey Motor Trends for the purchase of a 2004 Dodge Ram 1500 on June 20, 2016, which was assigned to Mariner Finance, LLC (“Mariner”) for servicing.  The executed contract required thirty-nine (39) payments of $339.31 beginning on July 20, 2016.
  
  Mariner received $4,613.81 on March 2, 2018, from Mr. ******** auto insurance company, *** ****** ************* ********* *****, due to the automobile having been deemed a total loss.  The payment was immediately posted to Mr. ******** account leaving a remaining balance of $1,808.21.  As outlined on the contract, interest will continue to accrue until the account balance is paid in full. 
  
  A review of applicable records confirms documented conversations between Mr. ****** and Mariner regarding the deficiency balance on April 8, 2021, and February 10, 2022, during which Mr. ****** offered to make payment of $125.00 per month toward the settlement amount.  Mariner has not received payment on the account since March 2, 2018.  Furthermore, Mr. ****** filed a Better Business Bureau inquiry on July 25, 2019, within which he acknowledged having been informed of the deficiency balance.  Within Mariner’s response, Mr. ****** was encouraged to contact Mariner regarding the outstanding balance so a mutually agreeable arrangement to resolve the account could be achieved.
  
  Based on our review, the information furnished by Mariner to the nationwide Credit Reporting Agencies ("CRA") regarding Mr. ******** account, including that the account is a charged off account which remains legally collectable- is accurate.  Mr. ****** continues to submit complaints and disputes in relation to his loan as opposed to contacting Mariner to discuss a potential payment plan to address the debt.  

  Should Mr. ****** have additional questions regarding his account, he may contact his local branch. If Mr. ****** would like to discuss payment arrangements, he may contact our Recovery Department at 844-338-2080.

  Customer response

  02/23/2024

  
  Complaint: ********
  
  I am rejecting this response because: I was contacted by someone claiming to be from Mariner who offered me a settlement  $300 dollars less then what was claimed to be owed, when I asked for a copy of the signed contract to date I have still not received that documentation.

  The loan balance was never correct, I ask for supporting documents which were never provided, also during 2019-2022 most people including myself were financially effected by the pandemic and not having steady income, no one from Mariner made any attempts to collect of this so called debt until it was tax season each year then an email was sent asking to contact Mariner because "you could do something great with your income tax return"

  Unfortunately the negative reviews that Mariner Finance continures to receive from its unhappy and dissatisfied cuatomers shows that their collection activiies are that of other bad financial agencies rather then look out for customers, the company wants to drown customers in debt and invalid charges it claims are owed.

  Again I ask that this activity  CEASE AND DESIST immediately along with all reporting that is inaccurate to the credit bureaus, is this account is continued remain on my credit report i will take legal action against Mariner Finance.
  
  Sincerely,
  
  ****** ******

  Business response

  03/01/2024

  Thank you for the additional feedback.  Please see the attached BBB complaint  from 2019, in which Mr. ****** raises the same concerns regarding a correction that has already previously been addressed.  Based on our review, Mr. ******'s account is being accurately reported to the credit bureaus.  Mr. ****** continues to submit complaints in relation to his loan including numerous automated credit disputes, all of which have been investigated and responded to as accurately reporting. Furthermore, Mariner has no record of Mr. ****** having previously requested additional copies of his loan documents, which were provided to him at the time of loan closing.  In order to protect the confidential information of our customers, Mariner requires verification of the requestor's identity prior to providing loan or related documents. However, since the address of record for Mr. ****** matches the address provided with this complaint, Mariner has mailed a copy of the original contract to Mr. ******.   Per his request we  have noted Mr. ******'s account to reflect no further communication regarding the debt.  

  Should Mr. ****** have additional questions regarding this matter, he may contact Mariner's Customer Relations Department at 844-338-2080.  If he would like to make a payment, he may contact Mariner's Recovery Department at 888-296-1002.

• Initial Complaint

  02/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This business charged off my account as of June 30, 2023 but has still been adding late fee's in the amount of $130 each month after that and still til this day is adding $130 late fee's to the balance creating more debt to something they stated was charged off. I want all late charges after June 30th 2023 removed and my credit bureau credit reporting updated .

  Business response

  02/26/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint,
  
  ******** ******** entered into her loan with Mariner on October 6, 2022, and the loan is currently in default.  Because the account is in default and no payment arrangement has been achieved, it is classified as a charged-off account, which remains legally collectable.  As outlined in Ms. ********** contract, interest will continue to accrue until the account balance is paid in full.  The late fee in the amount of $8.98 per month will be assessed through the original scheduled date of maturity, which is in Ms. ********** case is October 15, 2026, for any month that scheduled payment is not received on time.  Based on our review, all interest and fees have been accurately assessed and the information being furnished to the nationwide Credit Reporting Agencies in regards to this account is accurate.
  
  Should Ms. ******** have additional questions regarding her account, she may contact Mariner’s Customer Relations Department at 844-338-2080.  If she would like to may a payment or discuss a potential payment arrangement, we encourage her to contact Mariner’s Recovery Department at 888-296-1002.

• Initial Complaint

  02/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On or about 12/20/2023, I deposited a check for a loan of $2500 from Mariner Finance. I received information in the mail about how to make payments and when my payment is due, 20th of each month. This is my second time taking a loan from this company, so my email address is on file. I went online to create an account or to set up my new account and I was denied access. On 12/20/2023, I contacted Mariner and spoke to Carly ********, a supervisor who took my payment and apologized profusely about the problem I was having accessing my account online. This was after being hung up on several times by Shane, another worker. Her email to me stated that she was waiting on customer support to help us with this issue. I have not heard from her since. I sent her an email on 1/15/24 and she still has not responded. I have called Mariner again and asked for help with this again and no-one has the competency to help so they just don't do anything. This is a problem for me because I am forced to call every month and deal with no answer or a voice message. This company is purposely not answering/taking my calls and not giving me access online to make me default on my loan. They will not answer any of my calls until it is the 20th of the month and minutes before closing at 5:00pm. I would like for someone from the corporate office to look into this and provide me with online access to my account so that I can make timely payments. The closest office is 40 minutes from my home and that is just not an option for me, when the solution to this problem is so simple. I receive emails not to forget making my payment but I am being refused customer service to ensure payment is received.

  Business response

  02/23/2024

  Thank you for contacting us with Ms. ********** concerns.  Based on our review, Ms. ********** account was successfully updated on February 20, 2024, and she is now able to access her online account to make payments and view loan documents, and we believe her concerns have been resolved.  We respectfully dispute Ms. ********** claims that Mariner would purposely prevent her from making timely payments, as Mariner offers multiple ways to pay, including by mail, phone, in person, and customers always have the option of utilizing their financial institutions bill pay feature to ensure payments are received by the required due date.

  We appreciate the opportunity to address our customer's concerns.  Should Ms. ******** experience additional issues accessing her online account, we encourage  her to contact Mariner's Customer Relations Department at ###-###-####, so that we may assist her. 

  Mariner Finance- Customer Relations

  Customer response

  02/28/2024

  
  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. However, I want to point out that I had to take it this far to get the help that I needed. Neither the supervisor or other staff would follow through with anything that was stated to me. Also, if you do not answer your phone and you hang up repeatedly on customers, then calling in your payment is not an option. I am glad to have the BBB to turn to, because this was not being handled at all. Thank you.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  02/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not liable for this debt with MARINER FINANCE I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.

  Business response

  02/20/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has researched this complaint.
  
  Mr. **** entered into a retail Installment contract with **** ********* ** **** on February 14, 2021, for the purchase of beds and mattresses.  The contract was assigned to Mariner for servicing.  Mr. **** made two payments as contractually agreed before failing to submit additional payments, therefore the defaulted account was sold to *********** ******** *** *************** on September 9, 2022. 
  
  In order to protect the confidential information of our customers, Mariner requires verification of the requestor's identity prior to providing loan or related documents. Mr. **** may visit his local Mariner branch with photo ID to receive a printed copy of the original loan documents, or he may send a copy of his request and government issued photo identification to Mariner Finance, 8211 Town Center Drive, Nottingham, MD 21236.  Mariner has no record of having previously received a request of this nature from MR. ****.
  
  For any additional questions regarding this account or to make a payment, Mr. **** may contact Brightwater at 866-233-6813.  

  Customer response

  02/20/2024

  
  Complaint: ********
  
  I am rejecting this response because: there is no proof of identification. this is identity fraud 
  
  Sincerely,
  
  ******* ****

  Business response

  02/21/2024

  Based on our review, it does not appear that the account was opened fraudulently. However, if Mr. **** would like to pursue her claim of identity theft in relation to his account, he will need to complete the attached Federal Trade Commission Identity Theft Victim’s complaint and Affidavit and return it, along with a copy of his government issued photo identification and police report if available, to Mariner Finance, 8211 Town Center Drive, Nottingham, MD21236. Mr. **** may also provide these documents directly to his local Mariner branch.

  Customer response

  02/21/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  Mariner Finance was already provided a copy of an Identity theft report from CFPB  along with a signed  affidavit in September of 2022
  
  Sincerely,
  
  ******* ****

  Business response

  02/23/2024

  Mr. **** may submit the additional items requested in order to initiate a fraud investigation. Mariner is unable to assist further without a copy of Mr. ****'s government issued identification. 

• Initial Complaint

  02/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt, MARINER FINANCE, LLC under original contract they did not provide me with original contract

  Business response

  02/15/2024

  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 Finance, LLC (“Mariner”) on November 9, 2019.  In his complaint, Mr. ***** states he is not liable for the debt.  However, this is inaccurate.  A review of the account confirms that Mr. ***** has acknowledged the debt on numerous occasions, and multiple loan payments have been made via ACH payment from an account associated with Mr. *****, including a recent payment by phone on February 9, 2024, from the same number provided with this complaint, which was recorded for quality assurance purposes. 
  
  In an effort to protect our customer’s sensitive or personally identifiable information, Mariner requires verification of the requestor’s identity prior to releasing loan documents.  Mr. ***** may visit his local Mariner branch with a copy of his government issued photo identification to receive a printed copy of the original loan document, or he may send a copy of his government issued Identification to Mariner Finance, 8211 Town Center Drive, Nottingham, MD 21236.  Because Mr. ***** defaulted on his loan and all attempts to contact him failed, the loan is classified as a charged-off account, which remains legally collectable.  Mariner has no record of having previously received a request of this nature from Mr. *****.
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies is accurate.  Mr. ***** has submitted multiple automated credit disputes claiming inaccurate reporting in relation to his loan, all of which have been investigated and responded to as accurately reporting. 
  
  Should Mr. ***** have additional questions regarding this matter, he may contact Mariner’s Customer Relations Department at 844-338-2080. If Mr. ***** would like to make a payment, we encourage him to contact Mariner’s Recovery Department at 888-296-1002.

• Initial Complaint

  02/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  See attached letter. Loan *****! Addressed loan to a different person and used my social and credit to approve. Bait and switch loan predator!

  Business response

  02/12/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has researched this complaint. 
  
  A prescreened firm offer of credit, also known as a "Loan by Mail," was sent to **** ****** **. The "Loan by Mail" 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.  Mariner received notice that the offer was executed on September 8, 2023.  Marine* *ent a welcome letter and conducted a welcome call reiterating the loan terms and providing available methods to make payments.
  
  On February 5, 2024, Mariner was made aware that the offer intended for and cashed by **** ****** **, was allegedly showing on **** ****** **’s credit report indicating a potential merged credit profile.  Mr. ****** will need to contact the credit bureaus directly to ensure this issue is fixed permanently.  However, upon receipt of Mr. ******* complaint,  Mariner contacted him and advised that the Mariner account can easily updated to reflect on the correct credit report by having both parties provide a copy of their license and proof of social security number, to which Mr. ****** ** has refused to provide.  During the conversation with Mariner, Mr. ****** advised that he was unwilling to provide the required information and stated he would simply like to make payments on the account. 
  
  As a result of multiple returned payments, check and ACH payments have been suspended for this account until three (3) full contractual payments were made in the form of cash or cash equivalent such as a debit card, money order, or certified funds, per Mariner’s policy.  However, the Assistant Vice President for the handling region attempted to contact the account holder on February 8, 2024, in effort to confirm the account information associated with the returned payments and potentially reinstate the account privileges.  However, Mariner has been unsuccessful in reaching Mr. ******.  Should Mr. ****** wish to discuss this matter in further detail, we request he return our call at his earliest convenience.  As a courtesy, we would like to remind the account holder that the account is currently past due for the January and February payment obligation. 
  
  For any additional questions, Mariner’s Customer Relations Department can be reached at 844-338-2080.  

  Customer response

  02/13/2024

  
  Complaint: ********
  
  I am rejecting this response because:  hey did contact me and were unable to process payment.  I have been to the office three times.  its very simple to fix...just set up my auto payment.  This loan was done fraudulently, you make no effort to resolve.  Call ###-###-#### and I will provide checking info for payment and set up the auto pay.  This is all Mariners fault for sending a loan in my sons name but using my information.  They should have been more diligent in their research!  You system blocked me out because we were using the social for my son due to the check being in his name.   Then we use his account and you do not recognize it.  YOU NEED TO MAKE AN EFFORT TO RESOLVE!!  I am done making effort.  You can close the loan and eat the remainder balance as i will never pay it since you refuse to assist in resolving this!  
  
  Sincerely,
  
  **** ******

  Business response

  02/23/2024

  Thank you for the additional feedback.  On February 21, 2024, Mr. ****** provided updated account information and Mariner agreed to reinstate electronic payment privileges.  At this time we believe Mr. ******'s concerns have been resolved.  Should he have additional questions regarding this matter, he may contact Mariner's Customer Relations Department at 844-338-2080.

• Initial Complaint

  02/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm required to pay $6100. by 5/15/2024 Otherwise company will garnish the money from pay check. I'm mad. The amount in question is deceptive. Legal fees is the reason. Other amount 09/20/2023 is $3500. How does the price jump with legal fees thats almost fraud and deceptive business practices. Not fair. Company has yet to send anything in writing to valid debt owe. Violates FCRA and FDCPA too. Unacceptable. Help please.

  Customer response

  02/02/2024

  Unclaimed life policy funds.

  I believe this was never paid to me.

   

   

  Business response

  02/08/2024

  Thank you for contacting us. Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has researched this complaint.
  
  Mr. ***** entered into his loan with Mariner on November 4, 2021.  A review of the account confirms that Mr. ***** frequently made payments after the required due date with several payments returned for NSF.  Because the account remained past due for four (4), contractual payment obligations and no payment arrangement was achieved, Mariner initiated legal action to collect the account on June 7, 2022.  Judgment was awarded in favor of Mariner on September 20, 2023, in the amount of $2,689.20, plus court fees and interest.  As of the receipt of this complaint, Mariner has not received any payments in accordance with the judgment.
  
  If Mr. ***** has additional questions in regards to his loan, or to discuss a payment arrangements to avoid potential garnishment, he may contact *** *********** *** ****** ** *************  

  Customer response

  02/09/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  I have worked with attorney who was left out of the judgement process. 

  It should have never gone this far. Willing to settle out of court for less than amount.

  A court document 2/6/2024. Says $2300 in past due interest charged by Mariner Finance is this ***** at this point. FTC has already been notified.

  I have another attorney about to look at this . It has become a government matter now. 

  lastly a senator from Virginia will be notified.  One option is Mariner Finance not your lawyers dismiss this amount. 

  Or a payment plan $2000. Then monthly payments of $750 to pay off.

  
  
  Sincerely,
  
  ****** *****

  Business response

  02/12/2024

  Thank you for providing the additional feedback provided by Mr. *****.  In the event he would like to discuss a potential settlement agreement, Mr. ***** will need to communicate with the handling attorney as advised in our initial response.  Mariner will appropriately respond to any communication received, as required.  

  Customer response

  02/12/2024

   FTC regulator has this issue. 

• Initial Complaint

  01/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I declare, under the penalty of perjury in accordance with the laws of the United States (if executed outside of the United States), that the statements provided above are true and accurate to the best of my knowledge. Additionally, I confirm that I am legally authorized by both FEDERAL and STATE LAW to initiate this dispute. I am aware that intentional misstatements or omissions of crucial facts constitute a FEDERAL CRIMINAL VIOLATION as outlined in 18 U.S.C. 1001. Furthermore, such misstatements are subject to punishment as perjury under 18 U.S.C. 1621. I assert that the items listed on the subsequent pages of my credit report are not associated with any transactions initiated by me. My claim alleges that an individual or entity, without my consent, utilized my personal identifying information to apply for goods, services, or financial transactions and was successful in establishing certain accounts.

  Business response

  01/29/2024

  Thank you for bringing this matter to our attention. We take customer concerns seriously, and our Customer Relations Department has thoroughly reviewed this complaint.
  
  ******* ****** entered into the loan with Mariner Finance, LLC (“Mariner”) on September 13, 2021.  The executed contract requires twenty-four (24) payments of $135.51, beginning on October 13, 2021.
  
  As part of Mariner's account opening procedures, specific information including the applicant's name, date of birth, address, identification number and a copy of a government issued photo identification are required and verified, and these documents are retained with the loan file.  The mailing address and telephone number provided by Ms. ****** on her original loan application and the address provided within this complaint are the same and several loan payments were made via *** payment from Ms. ******’s checking account. 
  
  Furthermore, Ms. ****** acknowledged the debt by including it in documents filed in federal bankruptcy court. The bankruptcy was dismissed on May 23, 2022, and Ms. ****** remains liable for the debt.  Ms. ****** has submitted multiple automated credit disputes claiming fraud in relation to her loan, all of which have been investigated and responded to as accurately reporting. 
  
  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 charged-off account that remains legally collectable, is accurate.
  
  For any additional questions, Ms. ****** may contact Mariner’s Customer Relations Department at 844-338-2080.

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello i reviews this account and this is closed and is no longer in my hands can you all please take this off my credit report. thanks

  Business response

  01/23/2024

  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 September 13, 2022.  Because Mr. **** defaulted on his loan and no payment arrangement was achieved, Mariner initiated legal action to collect the account and a judgment was awarded in favor of Mariner on June 13, 2023.

  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies is accurate.  For any additional questions regarding his loan or to make a payment, Mr. ******* may contact Attorney Frank & Woolridge, LPA at 614-221-1662.

  Customer response

  01/24/2024

  Hello my name is **** *******, i have not known about a loan with Mariner finance can it be tooken if my credit report ? Thanks 

  Business response

  01/31/2024

  Thank you for contacting us.  As previously advised, Mr. ******* entered into the loan with Mariner September 13, 2022.  Because Mr. **** defaulted on his loan and no payment arrangement was achieved, Mariner initiated legal action to collect the account and a judgment was awarded in favor of Mariner on June 13, 2023.

  It does not appear that Mr. ******* has provided any additional information that would warrant further review of the account.  Should Mr. ******* have questions in regards to this matter or new information to provide, he may contact Mariner's Customer Relations Department at 844-338-2080.    For any additional questions regarding the loan or to make a payment, Mr. ******* may contact Attorney Frank & Woolridge, LPA at 614-221-1662.

*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. ↩