Complaints

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

close

Find a Location

Mariner Finance, LLC has 542 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Mariner Finance, LLC

  8211 Town Center Drive Nottingham, MD 21236

• 

  Mariner Finance

  1155 Washington Pike Suite 60 Bridgeville, PA 15017

• 

  Mariner Finance

  1187 Freedom Road Cranberry Twp., PA 16066

• 

  Mariner Finance

  3600 E Landis Ave Vineland, NJ 08361-3001

• 

  Mariner Finance

  1380 Hanover Ave Allentown, PA 18109-2019

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:05/12/2023

  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 currently have a loan with Mariner Finance that I took out in 2021, but I have struggled to pay since my multiple job losses from November 2021 to September 2022 which have resulted in eviction, vehicle repossession, medical debt, medical leave from a part time job that does not make ends meet, I am living from shelter to shelter, sleeping in vacant buildings or the streets. I do not have any money for the everyday expenses/living, I have skin and food allergies which limit me to certain foods along with any hygienic products. I have been looking for work, I have also been sick and tired daily resulting from stresses induced IBS which will require surgery that is not covered by insurance which will make almost next to impossible to pay this loan or any other financial obligations and I will only be able to work limited hours. Even with disability, I will be limited income and do not see signs of better financial conditions. Thank you for your attention to this matter. Best, Adam ******

  Business Response

  Date: 05/23/2023

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly reviewed Mr. ******’s complaint.  As of the receipt of this complaint, Mr. ******’s account is current and next due for June 16, 2023. 
  
  Adam ****** entered into the loan with Mariner on August 16, 2022.  The executed contract requires thirty-two (32) payments of $113.61 beginning on September 16, 2022.
  
  Mariner attempts to provide assistance to customers when they experience financial difficulties that may temporarily affect their ability to meet their contractual obligation. Mariner assisted Mr. ****** with a deferment on December 7, 2022 which brought the account from past due for the November 2022 payment to current and next due for the December 2022 payment.  The local Mariner Assistant Vice President will contact Mr. ****** to review his account and potential eligibility for additional relief options.  Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies is accurate . 
  
  We appreciate the opportunity to address Mr. ******’s concerns.  For any additional questions regarding this matter, we ask that Mr. ****** contact Mariner’s Customer Relations Department at ###-###-####.

  Customer Answer

  Date: 05/24/2023

  
  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,
  
  Adam ******

• Initial Complaint

  Date:05/11/2023

  Type:Order 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.

  Someone opened up a fraudulent account with Mariner Finance in my name. Now I have to travel to the nearest branch to dispute the loan. I'm incredibly frustrated that Mariner Finance does not have greater security measures in place to prevent fraud like this from happening.

  Business Response

  Date: 05/17/2023

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. 
  
  **** ****** entered into the loan with Mariner on April 27,202.  As part of Mariner's account opening procedures, specific information including the applicant's name, date of birth, address and identification number are required and verified, and these documents are retained with the loan file.
  
  If Mr. ****** would like to pursue a claim of identity theft in relation to this account, he will need to initiate a fraud claim. In order to do so, he will need to complete the attached ************************ "Identity Theft Victim's Complaint and Affidavit" and return it,along with a copy of his government issued identification and a filed police report if available to Mariner Finance, ******************************************** or via email to ******************************************** for convenience.  Mr. ****** may also visit the local Mariner branch to provide the required fraud documents.
  
  For any additional questions regarding this matter, please contact Mariners ***************************** at ************.

  Customer Answer

  Date: 05/26/2023

   
  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. I would like Mariner Finance to send me the affidavit mentioned in their response,
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:05/05/2023

  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 the debt with ***********. I do not have a contract with MARINR ******** guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

  Business Response

  Date: 05/10/2023

  Thank you for contacting us.  Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. 
  
  *** **** entered into the loan in question by refinancing her prior loan with Mariner.  As part of Mariner's account opening procedures, specific information including the applicant's name, date of birth,address and identification number are required and verified, and these documents are retained with the loan file. The telephone number and email address provided with Ms. ***** complaint matches the information provided on Ms. ***** original loan application.  In addition, a review of applicable records confirms multiple phone calls between Ms. **** and her servicing Mariner branch using the phone number provided by Ms. **** within this complaint,dating back to the day the loan was opened. ACH payments were made on the account by phone with the servicing branch location, which are recorded for quality assurance purposes.
  
  Because Ms. ***** account remains past due for the July ****** contractual payment obligation and no payment arrangements have been achieved, the account is classified as a charged off account, which remains legally collectable. 
  
  Based on our review, it does not appear that the account was opened fraudulently, and the information furnished by Mariner to the nationwide credit reporting agencies is accurate.  However if Ms. **** would like to pursue a claim of identity theft in relation to her account, she will need to initiate a fraud claim.  In order to do so, we ask that she provide a copy of the police report referenced within her complaint along with any additional information she may have to support her claim of fraud to Mariner Finance, ********************************************.  Ms. **** may also provide these documents to her local Mariner location. 
  
  Ms. **** has submitted several automated credit disputes to the nationwide Credit ****************** in regards to her loan, all of which have been investigated and responded to as accurately reporting.  Mariner disputes any alleged violation of Ms.***** rights and complies with all **** requirements.
  
  For any additional questions or for assistance with a fraud claim, Ms. **** may contact Mariners ***************************** at ************.

• Initial Complaint

  Date:05/04/2023

  Type:Customer Service 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've paid my Mariner Finance account on time and never miss a payment. Being that I'm 25 year *************** Army Veteran the payment automatically comes out of my pension through my bank account. I applied around Feb 2023 and even though I was turned down for the loan the way I was told was very disrespectful. On their website I left a complaint about the issue the manager did respond back and told her as long as she knows about the issue we can move forward from this issue. After that my account to apply for any loans on the website it's in red and states my account is closed for online application to call the office. I never had this issue until I complained about the issue of me feeling disrespectful. I feel this is retaliation about me complaining. I would like my account to be moved to another branch.

  Business Response

  Date: 05/11/2023

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
  
  Based on our review, Ms. ******* inability to apply online was directly related to a website issue.  Ms. ******* concern was escalated to Mariners online support team and they were able to successfully re-set her profile to allow for a new application should she choose. 
  
  Mariner respectfully disputes any claims of retaliation against Ms. ************* Mariner solicits feedback from our customers in an effort to continuously improve our business and overall customer service.  We encourage customers to provide honest feedback and appreciate Ms. ****** for doing so.
  
  Mariners Customer Relations Manager contacted Ms. ****** to discuss this matter and we believe Ms. Roziers concerns have been resolved. Should Ms. ****** have additional concerns we ask that she contact Mariners ***************************** at ************.

• Initial Complaint

  Date:05/01/2023

  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.

  I am past due a little over 30 days. I want to know why I recieved a email offering me options. If nothing is available why am I recieving a email saying they have option. And it’s one person in specific that argues with me every time I call. She basically said the note was sent from corporate it’s misleading and hurtful if you don’t have options to help me out with a hardship but sending out emails that suggest the company does have options.

  Business Response

  Date: 05/03/2023

  Thank you for contacting us.  Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has researched this complaint.  The email referenced within Ms. *******'s complaint is an auto-generated collection email sent monthly to delinquent account holders intended to make the account holder aware of the account status.  The email clearly states that there MAY be relief options available and to contact the servicing branch location to discuss.  Mariner attempts to provide assistance to its customers when they experience financial difficulties that may temporarily affect their ability to meet their contractual obligations. Mariner recently assisted Ms. ******* with a hardship deferment in January 2023.  Although no additional relief option is available at this time, we encourage customers to maintain communication with us, so that we are aware of our customer’s hardship and can potentially provide relief options that may become available.  

  For any additional questions regarding this matter, we ask that Ms. ******* contact Mariner's Customer Relations Department at ###-###-####.

• Initial Complaint

  Date:04/21/2023

  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.

  On April 13, 2023, I was invited to apply for a loan by the business mentioned above. Due to complication with their mobile application, I was unable to complete my application. I called and was helped by a customer service representative. When my loan application was complete, a copy of my credit report was pulled, which resulted a drop in my score. I was then told by the customer service representative that I would receive a call back with a decision on my application. After two days of not receiving a phone call, email, etc, I went to goggle review to leave a review of my experience with this company, which was a negative review. Approximately 10 minutes after I posted the review, I received a phone call from the branch manager. The manager stated that my application was completed and awaiting approval. She also stated that because the branch I had applied to was too far away , she would ensure that my application would be sent to a branch much closer to me and they would contact me on Monday. On Monday I called the branch that the manager said she had sent my application to. To my surprise, the new branch did not have a copy of my application. Frustrated with the whole situation, I call the customer relations and spoke to a representative She took my information and assured me that a district manager would call me and speak to me about the entire situation. I was told that someone would contact me within 24 hours to discuss the situation. It has now been 2 days since I spoke to anyone in reference to this situation. I am beyond frustrated now because, my credit score has been impacted negatively due to this situation and no one wants to take responsibility of the action of the branch manager who conducted retaliatory action due to me writing a negative review of their service.

  Business Response

  Date: 04/27/2023

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint. 
  
  Mr. ***** initiated a credit application with Mariner on April 14, 2023.  On April 21, 2023, Mr. ***** contacted Mariner’s Customer Relations Department via email stating that he had been waiting for contact in regards to his recently submitted application.  The email was forwarded to the local Assistant Vice President, who was able to speak with Mr. ***** the same day regarding his application.  Based on our review, Mr. *****’ loan was funded on April 26, 2023.
  
  For any additional questions regarding this inquiry, we ask that Mr. ***** contact Mariner’s Customer Relations Department at ###-###-####.

• Initial Complaint

  Date:04/14/2023

  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.

  Started loan in 2019. I paid a total amount to the business of $935.82. I was able to settle in the amount of $3000 and a written receipt was to be mailed to me after it went to the head office. Approved settlement was granted to me. Louisiana had Covid then Hurricanes that hit the state and I never got the paperwork in the mail from Mariner Finance, LLC. I have tried and have gone up there more than 4 times to resolve this matter. All who approved my settlement is gone or fired. i paid a total of $4381.53 and should have a zero balance.

  Business Response

  Date: 04/24/2023

  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 the loan with Mariner on October 15, 2019.  The executed contract required forty-one (41) payments of $143.88 beginning on November 15, 2019 with a total repayment amount of $5,899.08.  On June 11, 2020, Ms.  ****** visited her servicing Mariner location and was provided a payoff quote in the amount of $3, 445.71.  Ms. ****** submitted a payment of $3,000, leaving a remaining payoff of $445.71 due at that time.  Ms. ******’s account was not eligible for a settlement offer at the time the payment was made and based on our review, there is no evidence of a settlement offer having been provided.
  
  For any additional questions regarding this matter, Ms. ****** may contact Mariner’s Customer Relations Department at 844-338-2080.

• Initial Complaint

  Date:04/12/2023

  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.

  Mr. ***** contacted Mariner Finance in June of last year. Mariner then told Mr. ****** that he signed a loan from that period up until now. Mr. ****** contends that he did not receive any loan despite bringing this to the attention of Mariner as to why he i s paying off a loan that does not exist. They then told him that he did the loan over the phone. Mr. ***** was sick with COVID-19 so he did not contest the information that was received by him at this time. Mr. ***** says that he has been paying on this loan, and it has reflected on ******* and ********** that he took out the loan. The loan was for the amount $3,370.00.

  Business Response

  Date: 04/13/2023

  Thank you for contacting us.  We were unable to locate an account for Mr. ***** based on the information provided.  Mariner's Customer Relations Manager called and left a voice message for Mr. ***** upon receipt of this complaint in an effort to gather additional information that may assist us in locating his account.  In order to be of further assistance, we ask that Mr. ***** return our call at the number provided, or contact Mariner's ***************************** at ************.

  Mariner Finance

  Customer Relations

  Customer Answer

  Date: 04/17/2023

   
  Complaint: 19927934
  
  I am rejecting this response because:

   

  Mr. ***** received a letter numbered Account *************. He states that he was looking for the account number 1114 which was opened in June 17, 2019. It states high credit $150.00 on the account. 

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

  Customer Answer

  Date: 04/17/2023

   
  Complaint: 19927934
  
  I am rejecting this response because:

   

  Mr. ***** received a letter numbered Account *************. He states that he was looking for the account number 1114 which was opened in June 17, 2019. It states high credit $150.00 on the account. 

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

  Business Response

  Date: 04/18/2023

  Thank you for your patience in this matter. Mariners Customer Relations Manager was able to speak with Mr. ***** to determine the account in question.

  Mr. ***** entered into a loan with Mariner on June 17, 2019 by cashing or depositing a prescreened firm offer of credit that was mailed to him in the amount of $1,200.  On June *******, Mr. ***** contacted his servicing Mariner location and inquired about adding additional funds to the loan.  On June 29, 2019, Mr. ***** visited his Mariner branch and refinanced his loan, receiving additional funds in the amount of $2,000, as evidenced by his signature on the loan agreement.  The executed contract requires forty-two (42) payments of $119.35 beginning on July 29, 2019, and is secured by a perfected lien on a 2016 Chevrolet Malibu. 
  
  As part of Mr. ****** account opening procedure specific information including his name, date of birth, address and identification number were required and verified, and these documents were retained with the loan file. In addition, several ACH payments were made on the account by phone with the servicing branch location, which are recorded for quality assurance purposes.
  
  Mariners Customer Relations Manager contacted Mr. ***** upon receipt of his complaint, and reviewed this information with him.  Mr. ***** claimed that his initial loan with Mariner was paid in full, and that he did not recall entering into the current loan.  Mr. ***** was advised that his initial loan was opened on June 17, 2019 and closed on June 29, 2019 due to refinance,and that all payments made have been applied to the refinanced loan.  Mr. ***** recently requested and received a copy of his current contract bearing his signature.  Mariner will also mail a copy of Mr. ****** payment history and a copy of the original prescreened offer to Mr. ******* current address.  We would like to remind Mr. ***** that he has access to view his loan documents and payment history by visiting Mariners online Customer Account ******************************* have additional questions, we ask that he contact Mariners ***************************** at ************.  To make a payment, Mr. ***** may contact his servicing branch location.  

• Initial Complaint

  Date:04/10/2023

  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.

  My husband had emergency surgery and while he was in recovery he had a notification from Mariner Finance that he had missed a payment on a loan we co-signed together. He called them immediately, told him the situation while still in recovery and the man said if he pays the minimum amount due he should have no issues against his credit. I used my card and paid the amount. Immediately after we received a derogatory **** on both of our credit summaries stating 30 days of missed payment. My husband tried to call Mariner Finance and they very rudely told my husband that there was nothing they could do even if he made arrangements. Today he received the same notification that the money hadnt come out of his account to pay ********************** from March. We called Mariner finance paid the entire amount, told him what previously happened and asked if it was going to affect our credit. He said no it wouldnt affect our credit. Not even five minutes after paying I had 25 points taken off of my credit score from Mariner finance. Both times now we have made arrangements and my husband does not feel comfortable calling because they basically called him an idiot last time he called them by both the person that answered the phone and the manager who he asked to speak to. We just want to fix the issues on the credit report from February 8th and again from today April 7th. As a co-signer of the loan I was never informed of any late payment or asked to pay for the payment which I would have in both incidents. My husbands name is *********** ********.

  Business Response

  Date: 04/14/2023

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has researched this complaint.
  
  ***** ****** entered into the loan with Mariner on April ******* as a co-borrower.  The executed contract requires one (1) payment of $140.50 followed by twenty-three (23)payments of $132.17 with the first payment due on June 1, 2021.  A review of the account confirms that the payment due on January 1, 2023 was not received until February 7, 2023 and the payment due on March 1, 2023 was not received until April 7, resulting in the account being reported late.  Mariner made reasonable attempts to contact both borrowers regarding the status of the account.
  
  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 ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report. Based on our review, the information furnished by Mariner to the *** is accurate.  In the event Ms. ****** has additional questions regarding this inquiry, she may contact Mariners ***************************** at ************

• Initial Complaint

  Date:04/09/2023

  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.

  On March 15, I called MAriner to make a payment of $367.00 to cover 2 past-due payments. The woman took my payment without any problem and told me to continue to make payments by phone or online.A week later I received a letter from a collection office saying that my loan is past due. At that time I thought it was an overlap between the time I made the payment and the time the collection letter was sent out.The collection letter was dated March 7, 2023. My complaint: Mariner Finance took payment from me on March 15 which indicates to me that the account is still with **********************. No one indicated to me that the account is in the collection process. The personnel made no attempt to advise me of the account status.1. I was deceived by Mariner's practice and my FCRA was violated.2. The manager ***** says the person who took the payment was new and " there is some growing pain" 3. The manager ***** **** up on me during the first conversation.4. I called back and ***** made me believe she was another person when I asked her if I needed to explain what happened in my last conversation as her employee hung up the phone on me, but she never said it was her who hung up the phone.5. I asked for the employee's name who hung up the phone and then she admitted that it was her.6. The law firm that has the account was unaware of the paid payments back on March 15, 2023. I spoke with the lawyer **** on March 6 around 17:00 hrs EST.I have no faith that this account will be handled properly.

  Business Response

  Date: 04/14/2023

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has researched this complaint.
  
  ***** **** entered into the loan with Mariner on October 7,2022.  The executed contract requires Forty-one (41) payments of $108.85 beginning on November 7, 2022.  ************** account remaining past due for the January 7, 2023 contractual payment obligation, and all attempts to contact him having failed, Mariner initiated legal action to collect the account on March 6, 2023.  On March 15, 2023, *******  submitted a payment in the amount $367.00 to his servicing branch location. Mariner contacted The *********** ********** via email the same day at 2:09pm to advise of the payment and provided an updated account statement reflecting the recent payment and remaining balance. Mr. **** may submit all future payments to The *********** **********. 
  
  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, including that the account is a collection account- is accurate.  Once paid in full, the account will be updated to reflect as a paid collection account. 
  
  For any additional questions regarding this inquiry, ******* may contact Mariners ***************************** at ************..  To make a payment, he may contact The *********** ********** at ************.

   

  Customer Answer

  Date: 04/17/2023

   
  Complaint: 19909360
  
  I am rejecting this response because:  Mariner has sent the account into collection and knew about it when I called to make the payment. Mariner took away my rights under the **** because Mariner did not advise me that the account was sent to collection. Once an account has been sent over to collection, the originating creditor must advise the customer that the account has been sent off to collection and that all payments must be sent to the agency that is handling the future payment. Mariner chose to do it both ways, violated my rights and collected the payments as normal. I. as a consumer was not aware that the account was sent off to collection and i was not given the option to contact an attorney to dispute any information that was sent. It's either the account stays with ********************** or it is at the hand of the collection agency. I want the collection status to be removed from my account. My rights have been violated. The manager ***** said that her new customer service person did not know the rules, but that is not my problem.

   

  
  Sincerely,
  
  ***** ****

  Business Response

  Date: 04/19/2023

  Thank you for the additional feedback.  As previously advised, Mariner made reasonable attempts to contact Mr. **** regarding the status of the account and potential next steps via phone and email.  A review of applicable records also confirms that Mariner mailed Mr. **** a collection letter on February 16, 2023 informing him of the delinquent status of his account and advising him that his account would be referred for legal action if the delinquency was not addressed within 15 days of the date of the letter.  Mr. **** failed to address the delinquency within the allotted time frame and therefore legal action was initiated on March 6, 2023.

  Mariner disputes any violation of Mr. ****** rights and complies with all FCRA guidelines.  *************** have additional questions, we encourage him to contact The *********** ********** at ************.

  Mariner Finance- Customer Relations

  Customer Answer

  Date: 04/22/2023

   
  Complaint: 19909360
  
  I am rejecting this response because: My previous rejection did not answer to the questionable tactics used by mariner. It is not about when the letter was mailed out to me as I didn't not get the letter. The question is why did mariner take my payments when in fact in was referred to a collection law firm? Mariner collected the payment because it did not want to pay the law firm the fee that is required for collection. Furthermore, when the account was sent over to a law firm or collection party, I have rights as a consumer to be advised as such the moment the representative took my call and took my payment. 
  
  Sincerely,
  
  ***** ****