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.

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• 

  Mariner Finance, LLC

  8211 Town Center Drive Nottingham, MD 21236

• 

  Mariner Finance

  145 Wolf Rd Albany, NY 12205

• 

  Mariner Finance

  604 Moraine Point Plaza Butler, PA 16001

• 

  Mariner Finance

  1155 Washington Pike Suite 60 Bridgeville, PA 15017

• 

  Mariner Finance

  2044 Fruitville Pike Lancaster, PA 17601-3918

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:06/26/2025

  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.

  On March 25th 2025, I made a payment through my bank in the amount of $5,879.82, to pay off my loan. The payment was delivered electronically on 3/27/25. Mariner Finance continues to say they do not receive money electronically & cannot locate this payment. My bank, SoFi, has looked into the issue but it has been posted to Mariner & cannot be recalled. I have called numerous ************ refuse to locate the money & continue to say they need the check number even though it was not submitted via a check. So that my credit is not effected I have to continue to make payments on a loan that should already be paid off. I would never recommend Mariner Finance.

  Business Response

  Date: 07/03/2025

  Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.

  Mariner can confirm that Ms. ********* final payment of $5,879.82 was located and appropriately applied to her account as of the date of receipt, and the account is now closed. Paid in full documents, including an overpayment check in the amount of $484.87, will be mailed to Ms. ******** on July 11, 2025.

  Mariner appreciates Ms. ********* business and the opportunity to address concerns, and we apologize for any inconvenience caused.Should Ms. ******** have additional questions or concerns, we encourage her to contact Mariners ***************************** for assistance at ************.

  Customer Answer

  Date: 07/08/2025

   
  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:06/23/2025

  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 writing to inform you of a fraudulent account that has been opened in my name with MARINR FINC. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: MARINR FINC Opened Date: 2/13/2023 Account Number: ************High **********************: $8,562.00 I respectfully request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation regarding the fraudulent activity.For your reference, I have attached a copy of my Identity Theft Complaint to support this claim.Thank you for your prompt attention to this matter.

  Business Response

  Date: 06/26/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.

  Ms. Arnold has had three (3) loans with Mariner Finance, LLC
  (“Mariner”), and entered into her current loan on February 13, 2023, when she refinanced her prior Mariner loan. 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. Additionally,
  Mariner can confirm the home address provided in this complaint is consistent
  with the information on file for Ms. Arnold.
  
  Ms. Arnold made the equivalent of three (3) of the required forty-two
  (42) loan payments, but failed to submit additional payments as contractually
  agreed despite multiple unsuccessful attempts to
  contact her, and as a result, the defaulted account was classified as a
  charge-off account on December 29, 2023, which remains legally collectable.
  
  Although Ms. Arnold continues to submit automated credit disputes
  claiming both fraud and inaccurate reporting, Mariner has no record of her contacting
  Mariner directly to initiate a fraud claim in relation to her loan, and based
  on our review, it does not appear the account was opened fraudulently. However,
  if Ms. Arnold would like to pursue her claim of identity theft, she will need
  to complete the attached Federal Trade Commission Identity Theft Victim’s
  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, 8211 Town Center Drive, Nottingham, MD.
  
  For any additional questions regarding this inquiry, Ms. Arnold may
  contact Mariner’s Customer Relations Department at 844-338-2080. Should Ms.
  Arnold have any additional questions regarding her account, or to make a
  payment, she may contact Mariner’s Recovery Department at 888-296-1002.
  ­­­­­­­­­­

• Initial Complaint

  Date:06/23/2025

  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.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 06/23/2025

  Thank you for contacting us.  Mr. Smith entered into the loan in question with Mariner Finance, LLC ("Mariner") on January 31, 2019, when he refinanced his prior Mariner loan. Mr. Smith's defaulted on his loan, and as a result, the defaulted account was referred to small claims court on May 20, 2019.  In order to avoid additional court proceedings, Mr. Smith contacted Mariner on May 22, 2019, and agreed to resume making monthly loan payments.  On July 16, 2020, Mariner received a final payment in the amount of $246.86, which paid the account in full.  Paid in full documents were mailed to Mr. Smith on July 31, 2020.

  Regarding Mr. Smith's claims of FCRA violations, Mariner includes an initial disclosure regarding credit reporting in the FACT Act Notice and in the Privacy Notice, both of which were provided to Mr. Smith at the time his loan was originated, and annually as required. To further clarify, credit reporting is clearly identified in Mariner’s Privacy Notice, and in 15 U.S. Code § 6802, as a type of sharing that cannot be limited by a consumer. For any additional questions regarding this inquiry, Mr. Smith may contact Mariner's Customer Relations Department at 844-338-2080.

• Initial Complaint

  Date:06/20/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: MARINER FINANCE Account #:************Balance:$4,497.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 06/23/2025

  Thank you for contact us.  Mariner Finance, LLC ("Mariner") received this same complaint from Mr. O'Reilly on January 9, 2025,to which we responded appropriately (see attached).  At this time Mariner has no additional information to provide.  If Mr. O'Reilly has questions regarding his account, or to make a payment, he may contact Mariner's Recovery Department at 888-296-1002.

• Initial Complaint

  Date:06/20/2025

  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 filed a bankruptcy back in December 2024 relinquish the vehicle that I have with mariner finance. The car is still singing and theyveyet to come and pick it up when I have called multiple times just says that theyve been out but I have a ring camera and does also and as we go back in the history, theres been no attempt. No one has come to my door. After them, calling me multiple times and complaining about how I was behind and then when I found bankruptcy they dont wanna pick up the vehicle. Theyre horrible to deal with their interest rate is so high. It was just too much for me tocontinue on with a car thats not worth What theyre asking. *******, who says she is a manager even said this to me that the car is not worth with theyre asking. All we want now is for it to be removed. Theyre telling me they consume me, which is not true because the vehicle was included in the chapter 7 bankruptcy.

  Business Response

  Date: 06/26/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.

  Ms. Lazere entered into entered
  into the loan agreement with Mariner Finance, LLC (“Mariner”) on December 20,
  2023, and the loan is secured by a perfected lien on a 2019 Hyundai Sonata. On December 18, 2024, Mariner received notice that Ms.
  Lazere had included the debt in a Chapter 7 Bankruptcy petition, which was
  discharged on May 6, 2024.
  
  As
  of the receipt of this complaint, Mariner can confirm that the vehicle was
  repossessed on June 24, 2025, and upon determination of the vehicle’s resale
  value at auction, proceeds from the sale will be applied to the account upon
  receipt leaving Ms. Lazere responsible for the remaining deficiency balance.
  
  Should
  Ms. Lazere have additional questions regarding this inquiry, she may contact
  Mariner’s Customer Relations Department at 844-338-2080. For any additional
  questions regarding her account, or to make a payment, Ms. Lazere may contact
  her local branch.

• Initial Complaint

  Date:06/20/2025

  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.

  Instead of closing my account when I paid it off, they waited to apply my payoff and kept the account open with a $40 balance. They then charged interest on that account for 2 years and never contacted me because they listed the account as paid ahead. When they finally did contact me, they said the balance was over 2600 because of interest accrued on that $40. The gentleman proceeded to threaten me that he would get the money when I die.

  Business Response

  Date: 06/26/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.

  Ms. Salisbury entered
  into a loan with Mariner Finance, LLC (“Mariner”) on December 9, 2022.  On July 6, 2023, Mariner received a payment
  in the amount of $5,600, which contrary to her complaint was immediately
  applied to her account upon receipt, leaving a remaining balance of $39.08.  Because the remaining balance was not
  addressed, interest continued to accrue on the remaining balance as disclosed
  in Ms. Salisbury’s contract.  However, as
  a courtesy to our customer, Mariner has waived the remaining balance and the
  accrued interest, and have updated Ms. Salisbury’s loan to reflect paid in full
  as of July 6, 2023. Paid in full documents have been mailed to Ms. Salisbury’s
  address of record. 
  Mariner
  respectfully disputes Ms. Salisbury’s allegations of threats and inappropriate
  communication, as a review of account records indicates no collection activity
  in violation of applicable law or regulation. Mariner has strict policies that
  outline appropriate customer communication and team members are thoroughly trained
  on this policy.
  
  Ms.
  Salisbury has had an account relationship with Mariner dating back to 2020, and
  we appreciate her business and the opportunity to address her concerns. Should
  she have additional questions regarding this matter, we encourage Ms. Salisbury
  to contact Mariner’s Customer Relations Department at 844-338-2080.

  Customer Answer

  Date: 06/27/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23482986, and find that this resolution is satisfactory to me. I will not comment any further.
  
  
  
  Sincerely,
  
  
  
  Julie Salisbury

• Initial Complaint

  Date:06/20/2025

  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.

  My identity was stolen used to cash a check from a loan company called Mariner Finance. I have never conducted business with this company, requested a check, nor signed any written contract to receive one. They claim have sent me a check without my or authorization, which was subsequently and used. I contacted the loan company, and they required me to complete forms and file police, only to deny removing the account my ********************** report. I have never had any dealings with this company and are in violation of the Fair Credit Reporting by reporting false on my credit report. I demand that this be removed immediately avoid action. It unprofessional and predatory for company to send checks without individuals' identities confirmed. When I spoke to the financial manager at head office in Maryland, she was extremely rude and unprofessional, questioning the police had not yet investigated the matter despite filing a report. I explained that I am not a police officer and cannot compel them to act as there is likely a prioritization process for handling cases. This company operates in very shady manner As I stated if this account is removed my ********************** report within 10 business days, I will pursue legal action.

  Business Response

  Date: 06/27/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.

  Mr. Richardson entered into an installment loan with Mariner
  Finance, LLC (“Mariner”) on July 10, 2023, when he chose to execute a
  pre-screened offer of credit that was sent and intended for him. The offer, as
  required by law, clearly states that it is a loan offer and by executing the document,
  the individual is entering into a contractual loan agreement. The
  offer complies with all applicable state and federal regulations, and is
  extended to credit qualified individuals based on information provided by the
  credit bureaus.
  
  On August 27, 2024, Mariner received a call from Mr. Richardson advising
  that he did not execute the offer. After having received the required claim
  documents from Mr. Richardson January 16, 2025, Mr. Richardson’s account was
  documented, and Mariner’s fraud investigation was initiated. Upon finalization
  of the investigation into Mr. Richardson’s allegations of fraud, on February
  19, 2025, Mr. Richardson’s financial institution, Chase Bank, provided Mariner with
  the following response
  
  “THE
  MONEY WAS DEPOSITED INTO THE PAYEE’S ACCOUNT ON 7/10/2023 AS PART OF A TOTAL
  DEPOSIT OF $3,500.00 IN ACCOUNT NUMBER ENDING IN 9503.”
  
  Given
  Chase Bank’s confirmation that the loan proceeds were deposited into an account
  held solely in Mr. Richardson’s name, it does not appear the account was opened
  fraudulently. However, as Mariner has informed him previously, if Mr. Richardson
  would like to continue to pursue his claim of identity theft, Mariner encourages
  him to contact his financial institution for further assistance surrounding the
  account into which the loan proceeds were deposited.
  
  Should Mr. Richardson
  have additional questions regarding this inquiry, he may contact Mariner’s
  Customer Relations Department at 844-338-2080. 
  For any questions regarding his account, or to make a payment, Mr.
  Richardson may contact his servicing branch.

  Customer Answer

  Date: 06/30/2025

   
  
  Complaint: 23481603
  
  
  
  I am rejecting this response because: I did not open this loan this is a result of identity theft. I do not care what “appears” to be mine. I did not authorize this company to produce any checks on my behalf. I will seek legal action.
  
  
  
  Sincerely,
  
  
  
  Jonathan Richardson Richardson

  Business Response

  Date: 06/30/2025

  Thank you for the additional feedback. Mr. Richardson will need to contact his financial institution for further assistance.

  Customer Answer

  Date: 07/01/2025

   
  
  Complaint: 23481603
  
  
  
  I am rejecting this response because: This company is engaged in fraudulent practices. I will Definitely will seek legal resolution to this problem. I will not pay for a debit I did not authorize
  
  
  
  Sincerely,
  
  
  
  Jonathan Richardson Richardson

• Initial Complaint

  Date:06/16/2025

  Type:Billing Issues
  Status:

  UnresolvedMore 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 paid my account off IN FULL! I still have not received the title to my truck. It has been more than a month! WHERE IS MY TITLE!!!!

  Business Response

  Date: 06/23/2025

  Thank you for bringing this matter to our attention.We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.

  Mr. ******* entered into a loan agreement with Mariner Finance, LLC (Mariner) on March 7, 2025,and the loan was secured by a perfected lien on Mr. ******** 2015, **** F-150.On May 13, 2025, Mariner received a final payment in the amount of $11,917.86, which paid the loan in full.
  
  Mariner can confirm that paid in full documents, including an electronic lien release, were processed and mailed to Mr. ******** address of record on June 17, 2025. Mr. ******* may also pick up the documents from his servicing branch in lieu of awaiting the documents by mail.
  
  Mariner appreciates Mr. ******** business and the opportunity to address his concerns, and apologize for any inconvenience caused. Should ********** have additional questions or concerns, we encourage him to contact Mariners ***************************** for assistance at ************.

  Customer Answer

  Date: 06/24/2025

   
  Complaint: 23474231
  
  I am rejecting this response because: I still do not have the ***** to my truck. The loan pay off paperwork and the truck title are two separate issues. Where is my vehicle title? Who was supposed to submit the pay off paperwork to the state of *******? Why did you not address the core issue of this complaint?
  
  
  
  ******* *******

• Initial Complaint

  Date:06/12/2025

  Type:Order 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 4-31-25 I financed a chair through Mariner Finance for $761.08 @12 months same as cash. When I received the papers, it says to pay $50.39 a month. I called them and asked I pay that amount I would be short and have to pay interest from 4-31-25. They told me that is correct, and the interest would be @22% or $167.44. They also told me that they cannot take more than the $50.39 on autopay, the state does not allow it. I believe that this is deceiving and wish this could be stopped.

  Business Response

  Date: 06/18/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.
  On March 31, 2025, John Dinning entered into a Retail Installment
  Contract with Arnold Furniture for the purchase of furniture, and the executed
  contract was purchased by Mariner Finance, LLC (“Mariner”).
  
  Mariner can confirm that the contract in question
  includes a “same as cash” (SAC) option that states that the contractor will,
  “Waive all Finance Charges if you pay an amount equal to the Amount Financed
  within 360 days after the date of contract. You must make scheduled payments
  during the Same as Cash Period. If you fail to make any scheduled payment on
  time or if you don’t pay an amount equal to the amount financed during the Same
  as Cash period, the Same as Cash option ends”. On June 5, 2025, the SAC promotion
  was removed from Mr. Dinning’s account due to him submitting
  the May 30, 2025 contractual payment after the due date. However, as a one-time
  courtesy to our customer, Mariner reinstated Mr. Dinning’s Same as Cash
  promotion, on July 12, 2025, per his request.

  Furthermore, while it is accurate that the auto pay
  feature does not authorize payments greater than the scheduled payment amount,
  additional one-time payments can be made without limitation. Payments are
  accepted by mail, in-person, by phone, or through Mariner's online CAC portal.

  We appreciate the opportunity to address
  our borrower’s concerns. For any additional questions regarding this inquiry, Mr.
  Dinning may contact Mariner’s Customer Relations Department at 844-338-2080.

• Initial Complaint

  Date:06/12/2025

  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.

  My name is **** ****** Rivero ******. Im writing this because Ive been a victim of identity theft. There are accounts showing up on my credit report that I didnt open and didnt authorize. Im asking for these accounts to be blocked or removed permanently under the Fair Credit Reporting Act, Section 605B.These are the accounts Im referring to:First ************ Credit Card Freedom Road Financial Loan Mariner Finance Loan Net Credit Loan National Credit Adjust (SpeedyCash) Collection $712 I didnt apply for these. Theyre not mine, and theyre hurting my credit.

  Business Response

  Date: 06/18/2025

  Thank you for bringing this matter to our attention.
  We take customer concerns seriously, and our Customer Relations Department has
  thoroughly researched this complaint.

  Mr. Rivero entered into the loan agreement
  with Mariner Finance, LLC (“Mariner”) as a co-borrower on October 31, 2018. 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.
  Additionally, Mariner can confirm multiple documented phone calls with Mr.
  Rivero via the phone number provided with this complaint, including payments
  made by phone, during which he acknowledged the debt.

  Because Mr. Rivero failed
  to make payments as contractually agreed, Mariner initiated legal action to
  collect the account on November 12, 2019.  Prior to obtaining a judgment Mr. Rivero
  resumed making account payments, and on March 3, 2021, Mariner
  received a final payment of $3,539.18, which paid the account in full.

  Mariner has
  no record of Mr. Rivero having contacted Mariner directly to initiate a fraud
  claim in relation to his loan, and based on our review, it does not appear the
  account was opened fraudulently. However, the fraud documents provided with
  this complaint have been escalated to Mariner’s Fraud Investigation Team for
  review.  Upon completion of the
  investigation, a representative will contact Mr. Rivero with the results.  Please be advised that fraud investigations
  may take up to ninety (90) days to complete.
  
  For any
  additional questions regarding this inquiry, Mr. Rivero may contact Mariner’s
  Customer Relations Department at 844-338-2080.