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:06/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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: 06/10/2025

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

  Mariner includes an initial disclosure regarding credit reporting in the **** Act Notice and in the Privacy Notice, both of which were provided to Ms. ****** at the time her loan was originated, and annually as required. To further clarify, credit reporting is clearly identified in Mariners Privacy Notice, and in 15 U.S. Code 6802,as a type of sharing that cannot be limited by a consumer. 
  
  On September 29, 2022,Ms. Kossies defaulted account was sold to ************************ (Brightwater). If Ms. ****** has additional question regarding her account, or to make a payment or discuss a potential payment arrangement,we encourage her to contact Brightwater at ************.

• Initial Complaint

  Date:06/06/2025

  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: MARINR FINC Account #: ************Balance:$4,024.00 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: 06/06/2025

  Ms. ***** entered into the loan agreement with Mariner Finance, LLC (Mariner) on September 3, 2021. Ms. ***** defaulted on her loan, resulting in the account being referred to a small claims court on April 28, 2022. Judgment was awarded in favor of Mariner on October 20, 2022.

  Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the Credit ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report. Based on our review, the information furnished by Mariner to the *** is accurate. Given this, we are unable to honor Ms. ***** request to alter the information. Ms. ***** has submitted multiple credit disputes claiming both inaccurate credit reporting and fraud in relation to her loan, all of which have been thoroughly investigated and verified as accurately reporting. Additionally, all attempts to contact Ms. ***** since the account was referred for legal action have been handled via the collection attorney.
  
  Ms. ***** was provided a copy of the loan agreement and all related documentation at the time the loan was executed, and she may contact Attorney ******* & Associates *** at ************* for additional copies or her loan documents, or to make a payment.  Mariner  recently responded to a similar BBB complaint submitted by Ms. ****** in which Mariner responded advising that all contact regarding the account should be communicated to the handling attorney.  

• Initial Complaint

  Date:06/04/2025

  Type:Customer Service 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 retuned a car to Mariner Finance that was under repossession and wages are being garnished. I spoke to the ****** **** several times and he stated that he wanted the car back and was not willing to resolve the issue. I *** him the car was sitting for 3 years and didnt run the engine was gone he still didnt want to resolve the issue. I was told by the attorney office holding this judgement and the ***************************** to have the car towed to the office of Mariner Finance located in ***************. I called the office the next morning and the office manager **** confirmed car was there. I *** keys were in the car and he had the title. Now all of sudden he doesnt know what happened to the car. Mariner Finance also ran my credit every 2 weeks for no reason creating issues on my credit report. I have documents from the tow company that it was left at the office, I also have **** on recording confirming he had the car. They have not provided me any information about the money he earned from sale of car. I want this handled and proof of sale or what he did with the car.

  Business Response

  Date: 06/11/2025

  Thank you for contacting us.  Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched *** ******** complaint.  ******* ******* entered into the loan agreement with Mariner on April 13, 2018, and the loan was secured by a perfected lien on a 2008 *** 5 Series.  *********** loan agreement clearly states that by executing the document, the individual authorizes Mariner to order credit reports from time to time.  ******************** account was in default, and all attempts to contact her were unsuccessful, Mariner obtained consumer reports for collection of an account. The defaulted account was referred to a collection attorney on May 1, 2019.  Judgment was awarded in favor of Mariner on February 24,2021. 
  
  On October 25, 2024, with no communication with *** ******* since October 20, 2022, a woman claiming to be *** ******** daughter contacted Mariner by phone to advise that the *** securing the loan was currently being stored at her home, in poor condition, with no keys,  and requested information on how to dispose of the car.  The caller was advised that Mariner is unable to share account details with anyone other than the account holder.
  
  A few days later, with no communication from *** *******,the vehicle in question was spotted abandoned in the parking lot of the strip mall in which the local Mariner branch is located, which is not owned by Mariner.  Mariner respectfully  disputes *** ******** claim that Mariner acknowledged possession of the vehicle, keys, and title.  In fact,Mariner received no communication from *** ******* regarding the abandoned vehicle until February 7, 2025, when she called inquiring about the vehicle and her loan balance.  *** ******* was advised that from our knowledge, the vehicle had been removed from the strip mall shortly after being abandoned, and Mariner is unaware of the current location of *** ******** vehicle.   
  
  Should *** ******* have additional questions regarding her account, she may contact Attorney ****** ****** at **************.

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They say I own an account I know nothing about and will not let me file a fraud case.

  Business Response

  Date: 06/05/2025

  Mr. ******* submitted a complaint to the PA Attorney General in March 2025, alleging that his account with ********************** was opened fraudulently.  Mariner responded to the complaint on April 8, 2025, and provided all required documentation to initiate a fraud investigation in relation to this account.  As of the date of this communication, Mr. ******* has not returned the required documents, and all attempts to follow up with him regarding a potential fraud claim have been unsuccessful.  ************** would like to proceed with a fraud he will need to complete the documents provided and  return them to Mariner along with a copy of his government issued photo.  For any additional questions regarding this inquiry, Mr. ******* may contact Mariner's ***************************** at ************. 

  Customer Answer

  Date: 06/06/2025

  I would love the BBB's help. I may have not selected the right thing.

  Customer Answer

  Date: 06/06/2025

  I am looking to resolve a matter with the company that is refusing me to file a fraud case with them. I have been sent to person after person but the company with not address the issue at hand. I am looking for the company to reach out and solve the matter.

  Business Response

  Date: 06/06/2025

  Mr. ******* submitted a complaint to the PA Attorney General in March 2025, alleging that his account with ********************** was opened fraudulently.  Mariner responded to the complaint on April 8, 2025, and provided all required documentation to initiate a fraud investigation in relation to this account.  As of the date of this communication, Mr. ******* has not returned the required documents, and all attempts to follow up with him regarding a potential fraud claim have been unsuccessful.  ************** would like to proceed with a fraud he will need to complete the documents provided and  return them to Mariner along with a copy of his government issued photo.  As a courtesy, we have also attached the  required documents  along with this response.  For any additional questions regarding this inquiry, Mr. ******* may contact Mariner's ***************************** at ************. 

  Customer Answer

  Date: 06/06/2025

  This is the first time I am getting these documents. The location near me just kept giving me the run around and the company would only connect me with them. I will fill out the documents and add them this evening. 

  Customer Answer

  Date: 06/06/2025

  Fraud form has been attached

  Customer Answer

  Date: 06/07/2025

  Now I have a court date with them over this. This is crazy.

  Customer Answer

  Date: 06/09/2025

   
  Complaint: 23389524
  
  I am rejecting this response because:  Now I have a court date with them over this. This is crazy.
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 06/09/2025

  Thank you for the additional feedback.  As advised in our initial response to Mr. ********* complaint, ************** would like to proceed with a fraud he will need to complete the documents provided, and return them to Mariner along with a copy of his government issued photo. Once the documents are received, any pending legal action will be paused pending the results of the investigation, and Mr. ********* credit report will be updated to reflect a pending fraud investigation, which will prevent the account from affecting his credit report while the investigation is ongoing.  As of the receipt of this updated complaint, Mariner has not received the required documentation.  The documents were attached along with Mariner's original response, and we have attached them again for Mr. ********* convenience. 

  For any additional questions regarding this matter, Mr. ******* may contact Mariner's ***************************** at ************.

  Customer Answer

  Date: 06/09/2025

  I have returned the documents needed and they have had to reply to that or the court case. I called their number that they gave and spoke with a kind woman who said all she could do was send me to the location that reports the account. The location said the manager was busy. That is always the outcome. I can not visit that location because I am out of state. At this time we are still not any closer to them doing anything.

  Customer Answer

  Date: 06/10/2025

   
  Complaint: 23389524
  
  I am rejecting this response because: I have returned the documents needed and they have had to reply to that or the court case. I called their number that they gave and spoke with a kind woman who said all she could do was send me to the location that reports the account. The location said the manager was busy. That is always the outcome. I can not visit that location because I am out of state. At this time we are still not any closer to them doing anything.
  
  Sincerely,
  
  ***** *******

  Customer Answer

  Date: 06/11/2025

  You have been very helpful, this gives me the proof that the company is refusing to do anything. It will help in court, showing I sent them the paper work and they still refuse to do anything. Thank you

• Initial Complaint

  Date:05/23/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 05/28/2025

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

  Ms. ******* entered into the loan agreement with Mariner Finance, LLC (Mariner) on June 19, 2020.Because Ms. ******* defaulted on the loan by failing to make payments as contractually agreed, the account was classified as a charge-off account on February 26, 2021, and remains legally collectable.  On August 5, 2024, the defaulted account was sold to ******************* (Plaza). Ms. ******* was provided a copy of the loan agreement and all related documentation at the time the loan was executed, and she may contact Plaza for additional copies of loan or related documents.
  
  Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  Mariner makes accurate account information available to the Credit ****************** (CRA)on a monthly basis, and each CRA has its own internal policies that determine how the information is displayed in the credit report and for how long.  Based on our review, Stewarts account is accurately reporting as a charged-off account that was sold to Plaza, with a zero-balance owed to Mariner. Given this, we are unable to honor Ms. ******** request to alter the information. Ms. ******* recently submitted an automated credit dispute claiming inaccurate reporting in relation to her loan, which was thoroughly reviewed and responded to as accurately reporting.  Furthermore, Mariner complies with all **** requirements.
  
  Should Ms. ******* have additional questions regarding her loan, or to make a payment, she may contact Plaza at ************.

• Initial Complaint

  Date:05/21/2025

  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:MARINR FINC Account #:************ Balance:$5,018.00 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: 05/21/2025

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concern seriously, and our Customer Relations has researched this complaint. Mr. ******* made Four (4) of the required Forty-Two (42)loan payments, but failed to make additional payments as contractually agreed,and on March 29, 2024, the defaulted was classified as a charge-off, which remains legally collectable.  Mr.******* was provided a copy of the loan agreement and all related documentation at the time he acknowledged the terms and signed the loan agreement.  Additionally, Mr. ******* submitted a similar complaint on March 19, 2025, without the required proof of identity, and Mariner responded advising Mr. ******* to visit his local branch with a copy of his identification to receive a printed copy, or to submit his request by mail to Mariner's corporate office.  However, since Mr. ******* opted to instead re-submit his complaint, with proof of identity included, Mariner has mailed a copy of the original loan agreement to the address provided by Mr. ******** which is different from the address currently on file with Mariner.

  For any additional questions regarding his loan or to make a payment, Mr. ******* may contact Mariner's ******************* at ************. 

• Initial Complaint

  Date:05/20/2025

  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.

  I am requesting the immediate removal of a charge-off account from my ********************** report. I never received any signed agreement or proper validation of this account. This negative entry is affecting my financial well-being and ability to access fair credit. I ask that MARINER FINANCE consider deleting this account in good faith or provide full verification and contractual proof of the alleged debt.If no resolution is reached, I will escalate this matter through the **** and *************************

  Business Response

  Date: 05/22/2025

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

  Mr. ***** has had two loans with Mariner Finance, LLC (Mariner), and entered into the current loan agreement on September 30, 2021. Mr. ***** defaulted on the loan by failing to submit payments as contractually agreed and as a result, the defaulted account was referred to a collection attorney on July 21, 2022. Judgment was awarded in favor of Mariner on July 11, 2024 in the amount of $12,944.53,plus court costs and pre and post judgment interest. However, as of the receipt of this complaint, no payments have been received in accordance with the judgment.
  
  Mr. ***** was provided a copy of the loan agreement and all related documentation at the time he acknowledged the terms and signed the loan agreement.  In order to protect the confidential information of our customers, ********************** requires verification of the requestors identity prior to providing additional copies of loan or related documents.
  
  Should Mr. ***** need additional copies of his loan documents, or if Mr. ***** would like to make a payment, he may contact attorney ******* ******** at ************ or ************.

• Initial Complaint

  Date:05/20/2025

  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.

  The last fourteen payments on loan account ************** have been paid on time. Most recently, the payment due for May 2025 was made late. Subsequently, the business assessed a $15 late fee. A request was sent to the company via e-mail requesting a courtesy removal of the late fee. A reply was received that my request will be sent to the local office as I am at the mercy of the local office. Really? An in depth administrative decision needs to be made to "decide" on a courtesy removal of a $15 late fee. By way of fact, this request was never made in the past.Further, as of this writing, please ensure that the company refrains from "ALL" promotional phone calls and emails to me.This complaint has been filed with the BBB and CFPB.

  Business Response

  Date: 05/20/2025

  Thank you for contacting us.  Mariner Finance, LLC (Mariner) has thoroughly reviewed Mr. ****** complaint. On May 19, 2025, Mariner received an email requesting his recently assessed late fee in the amount of $15, be waived.  Mariner responded to his email advising that his request had been forwarded to the local field manager for consideration,and on May 20, 2025, Mariner agreed to waive the late fee as a one-time courtesy to our customer. 
  
  Per Mr. ****** request, his account has been noted for no additional marketing offers.  It is important to note that mailed offers are prepared up to 60 days in advance of the mailing date and as a result, it is possible that additional offers may be received within this time.  For any additional questions regarding his account, Mr. ***** may contact his servicing branch location or he may contact Mariners ***************************** at ************.

• Initial Complaint

  Date:05/16/2025

  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.

  I am filing this complaint against Mariner Finance for serious and repeated violations of federal consumer protection laws. I am a well-informed citizen who understands my rights and know theyve been violated by this company for several years. After multiple phone requests for a copy of my contract were ignored, I visited the Tuscon location and received a five-page contract from a representative named ********. That document still failed to comply with federal law.Mariner Finance:Did not obtain my consent for electronic signatures (ESIGN Act, 15 U.S.C. 7001)Did not provide proper Truth in Lending disclosures (TILA, 15 U.S.C. 16011666j)Accessed and reported my credit without valid authorization (FCRA 1681b, 1681e, 1681s-2, 1681q)Failed to inform me of negative credit reporting Shared my personal information without my consent As someone holding a secret federal security clearance, my credit is a condition of employment. This account was flagged during a clearance review, causing professional embarrassment and potential risk to my government position.If Mariner Finance is willing to mediate, they must contact me in writing via mail or email only. I do not consent to phone communication. If I receive no written response within 30 days, I will proceed with formal action through small claims court or arbitration under the FAA, and will also submit this complaint to the Arizona Attorney General and the CFPB.

  Business Response

  Date: 05/16/2025

  Thank you for bringing this matter to our attention.  We take customer concerns seriously, and our *Customer Relations Department* has thoroughly reviewed Mr.**** ******* complaint.
  
  **** **** ****** entered into his loan with Mariner Finance, LLC (Mariner) on September24, 2021, as evidenced by his electronic signature. The terms of the contract are disclosed in a transparent manner as required by the Truth in Lending Act (TILA), and Mr. **** ****** applied his electronic signature acknowledging acceptance of the loan terms. A copy of the loan agreement, with the required TILA disclosure was provided to him upon loan closing, and Mariner has no record of having received a request for additional copies of loan documents that was not honored.  Prior to executing the loan agreement, Mr. ******************** the Paperless Lending Disclosure, agreeing that his electronic signature has the same force and effect and binds him to all terms and conditions in the same manner and to the same extent as a physical signature.
  
  Mr. **** ****** defaulted on his loan, and because the account remained past due for the May 4, 2023, contractual payment obligation, and all attempts to contact him were unsuccessful, the defaulted account was classified as a charge-off account on November 29, 2023, and remains legally collectable.  On April 15, 2025,Mr. **** ****** contacted Mariner and requested to settle his account. *Mariner offered Mr. **** ****** a reduced settlement offer for 90% of the current payoff, to which he agreed.  However, Mr. **** ****** failed to meet the terms of the offer, and as a result, the offer has since been voided. 
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  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. **** ****** at the time his loan was originated.Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies regarding this account is accurate.  Mr. **** ****** has submitted numerous complaints and disputes claiming inaccurate reporting in relation to his loan, including a prior complaint with the **** in which he alleged the account was opened fraudulently.  Mariner has responded to all complaints and disputes received.
  
  For any additional questions regarding his account, or to make a payment, Mr. **** ****** may contact Mariners Recovery Department at ************.

  Customer Answer

  Date: 05/19/2025

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

  Your response fails to address several key issues and includes claims that are factually incorrect and misleading.
  First, your statement that I "agreed" to a settlement and then failed to meet the terms is false. I spoke with a representative named ********, and we discussed a possible payment plan consisting of two payments totaling approximately $750. At no point did he inform me that this constituted a binding agreement, nor was I told that failure to pay on a specific date would void the offer. No written agreement was presented, and no document was signed. If this was a formal agreement as you now claim, I demand to see the written terms and my signature confirming it.
  Due to unforeseen personal circumstances, I was unable to make the payment on the initially discussed date. However, I returned shortly after and attempted to make a payment. At that time, I was told the arrangement was void and that I was required to pay the full balance. This was never disclosed or agreed to beforehand.
  The behavior exhibited by both ******** and Mariner Finance is deceptive and unprofessional. Misrepresenting a conversation as a formal settlement, then denying my payment attempt, is not only bad faithits an outright lie. Your handling of this matter lacks transparency and violates basic standards of fairness and consumer protection.
  Again, I reiterate my formal demands:
  Produce all documentation reflecting this alleged "agreement"
  Provide evidence of my consent, signature, and disclosure acceptance as required by ESIGN, TILA, and FCRA
  Submit a complete account history and breakdown of the current balance, including interest, fees, and payment activity
  If you cannot provide legally sufficient documentation supporting your claims, you must cease collection efforts and correct any false credit reporting. Otherwise, I **** proceed with formal action through:
  Small claims court or arbitration under the FAA
  Complaints to the Arizona Attorney General.
  Exploration of damages related to the impact on my federal security clearance
  All further communication must be in writing only.

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

  Business Response

  Date: 05/23/2025

  Thank you for the additional feedback.  As previously advised, Mr. **** ****** contacted Mariner by phone on April 15, 2025 and inquired about an arrangement or settlement offer, and in response to his inquiry, Mariner provided a verbal offer for 90% of the payoff.  Mr. **** ****** was advised during the call that the offer was good through April 18, 2025.  Mr. **** ****** failed to submit the agreed amount by the required date, and Mr. **** ****** made no attempt to contact Mariner to request an extension.  Additionally, after acknowledging the debt and accepting the reduced settlement offer, Mr. **** ****** submitted several automated credit disputes alleging that the account in question had been opened fraudulently, and did not belong to him.  All disputes received were thoroughly reviewed and the account was confirmed as accurately reporting.  

  As a one-time courtesy, Mariner has agreed to reinstate the reduced settlement offer through May 30, 2025.  Mr. **** ****** will need to pay the remaining of $748.41, on or before this date.  As previously advised, Mr. **** ****** was provided a copy of the loan agreement, and all related documentation at the time the loan was executed.  To receive additional copies or loan or loan related documents, ************************ 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 ****************************** *********************************************

   

• Initial Complaint

  Date:05/12/2025

  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.

  Financial office claims they mailed a check to my home without my request. The check was never sent to my home. Financial office claims this check was signed and endorse to another person and then mobile deposit.Signature, phone number on back of check and endorsee are all fake information. I do believe this is an internal scam by the financial office as i have proof that this check was never sent to my home by my **** enrollment in daily mailed received to my home. Financial receptionist seemed very familiar with this type of situation and started having a unpleasant attitude when we questioned how they received the information for the loan. Then went ahead and showed us my personal information including my SS#. Is obvious to say the signature and phone numbers on endorse check are false and fake numbers were written on back of check. After speaking with manager of the finance office he changed his version to say that Corporate mails this checks out to peoples homes. There is no contract signed, no evidence of request.

  Business Response

  Date: 05/19/2025

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

  The account in question was opened with Mariner Finance, LLC (Mariner) on April 11, 2025, when a pre-screened loan offer of credit that was mailed to and intended for ******* ****** was executed. The prescreened offer, as required by law, clearly states that it is a loan offer and by cashing or depositing the check, 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 May 6, 2025, Mr. ****** visited his local servicing branch to inquire about the account in question. In response, Mariner promptly documented the account details and provided Mr. ****** with copies of the documents he would need to complete and submit in order to initiate a fraud investigation. However, as of the receipt of this complaint,Mariner has not received the required documents.
  
  As a courtesy, Mariner has attached copies of the previously provided forms that are required should ********* wish to proceed with a fraud claim. Mr. ****** must complete the attached *************** Affidavit and ************************ Identity Theft Victims complaint and Affidavit and return them, along with a copy of his government issued photo identification and a police report if available, to Mariner Finance, *****************************, ********************************************  These documents may also be provided to a local Mariner branch. Once received, the account will be escalated to Mariner's fraud investigation team and coded accordingly for credit reporting. Upon completion of the investigation, a representative from our fraud investigation team will contact Mr. ****** with the results.
  
  We appreciate the opportunity to address Mr. ******* concerns,and encourage him to contact Mariner's ***************************** at ************ with any additional questions.