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, LLC

  325 Sanford Dr Morganton, NC 28655-2555

• 

  Mariner Finance

  2742 Plank Road Altoona, PA 16652

• 

  Mariner Finance

  560 Clairton Blvd, Suite D Pleasant Hills, PA 15236

• 

  Mariner Finance

  270 Tarentum Bridge Rd., Suite 8 New Kensington, PA 15068

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:05/08/2025

  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: 10/10/2023 Account Number: ************High **********************: $4,164.00 I kindly 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 related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 05/13/2025

  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 October 10, 2023, when a pre-screened loan offer that was mailed to and intended for Mr. ****** was cashed or deposited. 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 with Mariner. Because no payments were made as contractually agreed, and all attempts to contact the borrower were unsuccessful, the defaulted account was classified as a charge-off account on May 30, 2024.

  If Mr. ****** would like to proceed with a fraud claim, he 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 to Mariner Finance Customer Relations, ********************************************  These documents may also be provided to the local Mariner branch.

  For any additional questions regarding this matter, ********* may contact Mariners ***************************** at ************.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I settled off a past due account with ********************** I was provided documentation for the settlement and then they proceeded to sell my remaining balance to a third-party collection agency and refused to offer to provide me my title. I now have a third-party collection company calling me to try to obtain the remaining balance that was settled off and I still do not have a title.

  Business Response

  Date: 05/12/2025

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

  Ms. ******* entered into a loan agreement with Mariner Finance, LLC (Mariner) on May 7, 2018 and the loan was secured by a perfected lien on a 2009 ******. A review of the account confirms that after having defaulted on her loan due to non-payment, Mariner agreed to accept a reduced settlement of $2,166 on July 28, 2022. Mariner subsequently received the agreed settlement amount on August 4, 2022.

  Upon receipt of this complaint, Mariner submitted a lien release request to the ***************************** Safety and Motor Vehicles to ensure the lien on the collateral is released.  Additionally, Mariner has submitted a manual update request to the nationwide Credit ****************** (CRA) to delete the tradeline from Ms. ******** credit report. Please be advised that **** may take up to thirty (30) days to process requests of this nature. 

  We appreciate the opportunity to address Ms. ******** concerns, and encourage her to contact Mariner's ***************************** at ************ with any additional questions.

  
  

  Customer Answer

  Date: 05/13/2025

   
  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:05/05/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2018, I entered into my first loan agreement with Mariner Finance. I was able to pay it off, and because I was in such good standing, I took out another loan to help build my credit. I believe in paying what you owe and have no problems settling my debts. Unfortunately, I was unable to make the payments on time, which caused me to fall behind, leading them to suggest that I take out a third loan to assist with the existing loan I was late on. However, at the beginning of 2020, when COVID hit, I had just had a baby and had not been working for two years. During that time, I asked the company to work with me to waive some of the fees, but they were unwilling to *********** forward to 2024, after not being in communication for four years, I received an email regarding settling the account. I contacted a representative and agreed to settle for $3,000. Starting in April 2024, I paid $500 a month until August. I missed September and October due to financial difficulties and tried to reach out to the representative with no response. In November 2024, I received a call from a new representative, who informed me that because I missed two months, the $2000 they received was a wash and did not apply to my account. I had to start the settlement over again for another $4000. I never received any paperwork detailing the requirements for a settlement, nor was I verbally informed that missing payments would render the settlement void. I attempted to communicate with the manager/supervisor, but he was insulting and completely unwilling to assist me. However, as I stated earlier, if I owe the money, I have no problem paying it; but this company seems to be acting like LOAN SHARKS!! I entered into a new agreement, paying $360 monthly for 18 months. I received a fee of $10 a month for 4 years, amounting to $800. As a result, I went from owing $4,500 to almost $10,000, with no paperwork. I am extremely frustrated and need the correct answers as to why I owe so much now.

  Business Response

  Date: 05/12/2025

  Thank you for contacting us.  Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. Ms. ****** entered into her current loan with Mariner on December 21, 2019.  Ms. ****** failed to submit payments as contractually agreed and because the  account was eight (8) months past  due and no payment arrangement was achieved,the defaulted account was classified as a charge-off account on September *******.  

  
  Since defaulting on  the loan, Ms. ****** has broken several payment arrangements and promises to pay.  Most recently, Ms. ****** was offered a reduced settlement for sixty (60) percent of the account payoff in the amount of $3,943.20 on November 27, 2024, to which she agreed.  At the time of this offer, Ms. ******* account payoff was $6,548.17,  which included all prior payments received.  Ms. ******* allegation that Mariner is not considering her prior payments in the most recent settlement offer is inaccurate.  As  outlined in Ms. ******* contract, interest will continue accrue until the loan is paid in full. Additionally, Ms. ******* prior settlement offer was for a percentage of the principal balance owed.  The most recent offer, was for sixty percent of the account payoff, not the principal balance. Ms. ****** did not fulfill the requirements of the prior offer, and the prior offer is no longer available. 
  
  On May 5, 2025, Ms. ****** advised Mariner that she no longer wished to proceed with the settlement and canceled all future payments.  Ms. ******* account has a current payoff of $5,332.19, and again includes all prior payments received.  As a courtesy, Mariner has mailed a copy of Ms. ******* payment history to her address of record. For any additional questions regarding her account, or to make a payment, Ms. ****** may contact Mariners ******************* at ************.

• Initial Complaint

  Date:04/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint regarding Mariner Finance, LLC.This account was charged off in February 2024 and later reported as written off in March 2025. Once an account is charged off and/or written off, it should be closed and reported accurately as a final balance. Instead, Mariner Finance continues to report this account as past due every month after the charge-off date, which is inaccurate and misleading.Additionally, Mariner Finance inflated the balance after charge-off by adding unauthorized interest and late fees, despite no provision in the original contract allowing post-charge-off interest accumulation. They failed to provide a full, itemized breakdown explaining how the inflated payoff amount of $953.58 was calculated after the charge-off.I provided extensive documentation in my disputes, including the original loan agreement and proof of false reporting. Despite this, Mariner Finance and the credit bureaus failed to correct the errors, causing significant harm to my credit standing and emotional distress.These actions violate my rights under the Fair Credit Reporting Act (FCRA) 607(b) and 611, and may also constitute deceptive practices under the Fair Debt Collection Practices Act (FDCPA).I am requesting that Mariner Finance immediately delete this account from all ********************** reporting agencies or accurately report it as closed with no past due amounts after the charge-off date. I also request any agencies receiving this complaint ensure full investigation and compliance with all consumer protection laws.

  Business Response

  Date: 04/28/2025

  Thank you for bringing this matter to our attention. We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.  Ms. ****** entered into the loan agreement with Mariner Finance, LLC (Mariner) on March 26, 2021. Ms. ****** failed to make payments as contractually agreed, and as a result, the defaulted account was classified as a charge-off account, which remains legally collectable. Ms. ******* balance at the time of charge-off was $671.35.  However, as outlined in the contract, interest will continue to accrue until the loan is paid in full.  The $954 referenced in Ms.Millers complaint represents the account balance through March 31, 2025 including accrued interest. 
  
  On March 28, 2025, Ms. ****** contacted Mariner and requested an updated statement, which was mailed to her per her request.  During the call, ********* was offered a reduced settlement for the principal balance of $671.35.  Ms. ****** accepted the offer,and advised that she would mail a cashiers check for the agreed amount.  However, as of the receipt of this complaint,no payment has been received.  ******************* has acknowledged the default status of the account and the balance owed, she continues to submit automated credit disputes claiming inaccurate reporting in relation to her loan.  All disputes received have been thoroughly reviewed and responded to as accurately reporting. 
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.Mariner makes accurate account information available to the Credit ****************** (CRA) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report, and for how long. Based on our review, the account experience information furnished by Mariner is accurate. Given this, we are unable to honor Ms. ******* request to alter the information.  Ms. ****** recently submitted a similar complaint to the ***** to which Mariner responded.

  As an additional courtesy, Mariner has mailed another copy of the original contract, as well as an additional copy of the payment history. We encourage Ms. ****** to retain these documents for her records. For any additional questions regarding the account, or to make a payment, Ms. ****** may contact Mariners ******************* at ************.

  Customer Answer

  Date: 04/28/2025

  Thank you for responding. However, Mariner Finances response does not address the core of my dispute.
  
  
  While Mariner claims that interest continued to accrue according to the contract, they have failed to provide a full original signed agreement showing that post-charge-off interest is authorized. To date, I have only received a basic portal download version, which is incomplete and does not outline or authorize these charges. Despite multiple requests, Mariner has refused to provide this critical documentation via certified mail or direct email, even though they were willing to email me a settlement offer directly.
  
  
  Additionally, while I agreed verbally to a potential settlement of $671.35, no payment was made, and therefore no binding agreement exists. I have exercised my rights under the **** to dispute inaccurate reporting based on the failure of Mariner to validate the debt properly. Mariners continued misreporting of the account as past due after a February 2024 charge-off, and the addition of unvalidated fees and interest, has caused ongoing credit damage and emotional distress.
  
  
  I respectfully request that Mariner Finance either:
  1.Provide a full, signed original contract explicitly authorizing post-charge-off interest, OR
  2.Immediately delete the account from all ********************** reporting agencies due to failure to properly validate the debt.
  
  
  Until such time as a valid, legally sufficient contract is produced, and all amounts are validated properly, this matter remains unresolved.
  

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23253850
  
  I am rejecting this response because:
  

  Thank you for responding. However, Mariner Finances response does not address the core of my dispute.
  
  
  While Mariner claims that interest continued to accrue according to the contract, they have failed to provide a full original signed agreement showing that post-charge-off interest is authorized. To date, I have only received a basic portal download version, which is incomplete and does not outline or authorize these charges. Despite multiple requests, Mariner has refused to provide this critical documentation via certified mail or direct email, even though they were willing to email me a settlement offer directly.
  
  
  Additionally, while I agreed verbally to a potential settlement of $671.35, no payment was made, and therefore no binding agreement exists. I have exercised my rights under the **** to dispute inaccurate reporting based on the failure of Mariner to validate the debt properly. Mariners continued misreporting of the account as past due after a February 2024 charge-off, and the addition of unvalidated fees and interest, has caused ongoing credit damage and emotional distress.
  
  
  I respectfully request that Mariner Finance either:
  1.Provide a full, signed original contract explicitly authorizing post-charge-off interest, OR
  2.Immediately delete the account from all ********************** reporting agencies due to failure to properly validate the debt.
  
  
  Until such time as a valid, legally sufficient contract is produced, and all amounts are validated properly, this matter remains unresolved.
  Sincerely,
  
  ****** ******

   

   

  Business Response

  Date: 04/29/2025

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

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23253850
  
  I am rejecting this response because:
  
  Mariner Finance continues to misrepresent the facts of this situation. Despite multiple requests, I have never received a signed copy of the original loan agreement showing that interest or fees can legally be charged after the account was charged off and written off and closed.
  
  The only document I have is a basic version I downloaded personally from their online portal not something Mariner Finance ever mailed or emailed to me and nowhere in that agreement does it say these fees ans charges can exist. The only document Mariner sent me after repeated requests was a generic payment history, which only shows a balance of $671 at the time of default. Despite being asked for validation under the Fair Credit Reporting Act, they continue to avoid providing full documentation, including an itemized breakdown of added interest and fees after charge-off.
  
  They have never provided any explanation or breakdown of how the balance reached $954, nor have they cited a contractual clause authorizing interest to continue on a closed, charged-off account. I am still requesting a full signed loan contract with those terms and a detailed explanation of the inflated charges. Until such time, their reporting and collection practices remain unresolved, and I am pursuing further action. due to Mariner Finance negligent and violation of the FCR

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

• Initial Complaint

  Date:04/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have disputed this account several times with this company and has not received and validation of debt, but yet they are continuing to keep reporting this to my credit report. Also I have noticed that the dates on this account for supposedly when it was open and last payment days have all been change. This account was due to fall off but because they have changed the dates and continue to report it to my credit reports its still there. I am requesting this company remove this account from all 3 ********************** bureaus. I filed my complaints with ********, Equifax and ********** and they keep saying it was verified but Ive not received and paper work.

  Business Response

  Date: 04/29/2025

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

  ********** ***** entered into a loan agreement with Mariner Finance LLC (Mariner) on August 18, 2021. The executed contracted required one payment of $152.06, followed by twenty-nine payments of $124.28.  Ms. ***** submitted three payments via recurring ACH payment.  However, two of the three payments were later returned from her financial institution with the return reason, Insufficient ***************************** failed to submit payments as contractually agreed, despite multiple unsuccessful attempts to contact her, the defaulted account was ultimately classified as a charged-off account, and later sold to ************************ (Brightwater) on December 6, 2022.

  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the nationwide Credit ****************** (CRA) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report and for how long. Based on our review, Ms. ****** account is accurately reporting and accurately reflects as having been sold to another creditor. Given this, we are unable to honor her request to alter the information.

  While Mariner has no record of receiving a prior validation request from Ms. ****** she was provided a copy of the loan agreement and all related documentation at the time she acknowledged the terms and signed the loan agreement. For any further questions regarding her loan,including a request for additional copies of the loan documents, she may contact Brightwater at ************.

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23238516
  
  I am rejecting this response because;

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

  
  What the money you say I owe is for;
  

  Explain and show me how you calculated what you say I owe;
  

  Provide me with copies of any papers that show I agreed to pay what you say I owe;
  

  Identify the original creditor;
  

  Provide a verification or copy of any judgment (if applicable);
  

  Show me that you are licensed in my state, and provide me with your license numbers (if applicable).
  
  Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, Iknow that:

  You cannot add interest or fees except those allowed by the original contract and state law.

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

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

  
  I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the **** 1681s-2.
  
  If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.
  
  Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
  
  
  
  ********** *****
  **********************************************
  ***********************

  Business Response

  Date: 05/01/2025

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

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23238516
  
  I am rejecting this response because I ********** ***** have not taken out a loan with Mariner. I have disputed this account before and have yet to receive written/mailed correspondence from the creditor regarding this charge off account. If documentation is not provided within 30 days it is supposed to be deleted from reports, this is my third dispute with no paperwork of verification. The account should have been deleted from reports. Please remove account from reports. 
  
  Sincerely,
  
  ********** *****

• Initial Complaint

  Date:04/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan,if I was off from my job due to surgery or whatever was specific. I got a ********************** on Dec 17, 2024,stay in the hospital until DEC *******. I call about my disability insure and was told I do not have it. I call one day again and the main office answer the phone and then I was told I do have the disability insure. I talk to the branch manager ***** ******** and explain I have being paying on the long since Dec 17 thru April ******* ******** and me have a disagree about an employee form that ***** will not fill that information trying to tell me he used to work for ***** and what they will do. I am tell him I just purchase a home within ****** and they will not give that information. The bottom line a paid on a loan which I should have not paid for the last 4 month. I go back to work May 1. I need for Mariner Finance to give me my money back what was in my disability contract. Bad practice to lie about this.

  Business Response

  Date: 04/25/2025

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

  Mr. ******** entered into the loan with Mariner Finance, LLC (Mariner) on November 14, 2024.  On April 9, 2025, Mariner was made aware that Mr. ******** had recently had surgery, and may benefit from filing a disability claim, since he had elected to purchase optional disability insurance in conjunction with his loan.  Mariner provided Mr. ******** with the required claims forms and upon completion, the disability claim was promptly submitted on Mr. ********* behalf.  On April 18, 2025, the insurance provider advised that that Mr. ********* employer needed to complete the Employers Statement provided to Mr. *************** Upon receipt of the additional information request, Mr. ******** contacted Mariner to advise that he did not believe his employer, ****** would be willing to complete the required form, as they were previously unwilling to assist him with a request from his mortgage company.    

   On April 25, 2025, Mr. ******** spoke with Mariners local Assistant Vice President and confirmed that his employer is in fact willing to fill out the forms, and that the forms will be sent to Mariner via fax upon completion.  Upon receipt and review of the required forms, the insurance provider will communicate a claim decision.  Customers are advised to continue to make payments to avoid account delinquency until a claim determination is made.  Any refunds owed to the borrower will be processed upon receipt of claim proceeds. 

  For any additional questions regarding this matter, *********** may contact Mariners ***************************** at ************.

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was charged $149.49 on the WRONG bank account today (4/16/25). That bank account is on the verge of being shutdown and I selected my NEW bank account last month to charge them instead. I was charged $32 in overdraft fees due to insufficient funds.

  Business Response

  Date: 05/01/2025

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

  In his complaint, Mr. ******** alleges that Mariner falsely charged the incorrect ******** account for his April 12, 2025 payment obligation. While it is accurate that on April 1, 2025 Mr. ******** logged in to Mariners ****************************** to change his payment method, the payment disclosure displayed directly below all methods of payment clearly state: Setting an account as your default does not automatically discontinue recurring payments for another account

  Because Mr. ******** failed to disable the auto pay feature prior to selecting his new payment method of choice, the payment was successfully processed on the scheduled date. Given this,Mariner is unable to honor Mr. ********* request to refund the scheduled payment and overdraft fees charged by his bank.

  We appreciate the opportunity to address our borrowers concerns. For any additional questions regarding this inquiry, *********** may contact Mariners ***************************** at ************.

  Customer Answer

  Date: 05/01/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ********

• Initial Complaint

  Date:04/11/2025

  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.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. MARINR FINC ACCOUNT no.: ******** DATE OPEN: 05/31/2023 BALANCE: $5,501.00

  Business Response

  Date: 04/17/2025

  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 May 31, 2023, when a pre-screened loan offer that was mailed to and intended for Ms. ****** was executed. The prescreened offer,as required by law, states that it is a loan offer and by cashing or depositing the check, the individual is entering into a contractual loan agreement with Mariner. Because no payments were made, and all attempts to contact the borrower were unsuccessful, the defaulted account was classified as a charge-off account on December 29, 2023, which remains legally collectable.

  On March 19, 2025, Mariner received an email from ********* alleging that she did not execute the loan.  Mariner immediately attempted to contact ********* by phone in an effort to gather additional information and assist with a fraud claim if necessary.  However, we have been unable to reach her.  If ********* would like to pursue a claim that the account was opened fraudulently,she must complete the attached *************** Affidavit and ************************ Identity Theft Victims complaint and Affidavit and return them,along with a copy of her government issued photo identification, and a police report if available to Mariner Finance Customer Relations, ********************************************. These documents may also be provided to the local Mariner branch.

  Per Ms. ******* complaint, the account has been noted to reflect no further collection calls regarding the debt.  However, Mariner may need to contact ********* in regards to the fraud claim.  For any additional questions regarding this matter, Ms. ****** may contact Mariners ***************************** at ************.

• Initial Complaint

  Date:04/10/2025

  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.

  Business Name: Mariner Finance Business Location: *****, **** Date of Transaction: 11/30/2021 Complaint:I took out a loan from Mariner Finance for $1,467.66 on 11/30/2021. The loan had an APR of *****% over a 36-month term. Based on that rate and loan structure, I should have paid a total of approximately $2,223.35 ($1,467.66 principal + $755.69 interest).However, due to the companys structure and fees, I have paid a total of $4,778.34, which is more than three times what I originally borrowed. This amount is $2,554.99 more than what should have been paid under the agreed APR this raises serious concerns about predatory lending practices.I fell behind on payments by one to two months and was only $80 behind when a judgment was filed against me through ****************** (********, ** ************). They proceeded with wage garnishment in March 2025, even though I had plans to make that $80 payment the following week but was out of work with COVID for 10 days.Despite this, Ive continued to make monthly payments. I contacted both Mariner Finance and ****************** on March 20, 2025, to try to settle the loan fairly, especially after paying such a large amount. Both refused.Resolution Sought:I am requesting a full release from this loan, the immediate termination of any garnishment or collection activity, and a refund or credit for the amount Ive overpaid which is $2,554.99 more than what should have been owed with the stated APR.This loan has cost me significantly more than what was agreed upon, and I believe this falls under predatory lending. Im asking the BBB to intervene to help bring a fair resolution.

  Business Response

  Date: 04/18/2025

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

  ******* entered into her loan agreement with Mariner Finance, LLC (Mariner) on November 30, 2021.  In her complaint, ******* states that her loan was for $1,467. However, Ms. ***** contract has a total amount financed of $3,117.88.  The terms of the loan, including finance charges and all applicable fees, were clearly and prominently disclosed in the loan documents provided, which Ms. **** acknowledged and accepted by applying her electronic signature. Because Ms. **** defaulted on the loan by failing to make payments as contractually agreed, the account was referred to a collection attorney on December 8, 2022. Judgment was awarded in favor of Mariner on May 15, 2023 in the amount of $2,885.19, plus late fees, court costs, and post judgment interest. A final payment of $504.69 was subsequently received on April 15, 2025, which paid the account in full.  

  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the nationwide Credit ****************** (***) on a monthly basis, and each *** has its own internal policies that determine how the information is displayed in the credit report. Based on a complete review of her account, all payments received have been appropriately applied to Ms. ***** account, and the information furnished by Mariner to the *** is accurate. Given this, we are unable to honor her request to alter the information.

  Should Ms. **** have any additional questions regarding this inquiry, she may contact Mariners ***************************** at ************.   

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23187348
  
  I am rejecting this response because:
  
  Thank you for your continued assistance in reviewing my complaint regarding Mariner Finance.
  While I appreciate Mariners response, I would like to clarify a few important points and raise concerns that remain unresolved:
  

  Loan Amount and *****************start="470" data-end="473"> My original loan was for approximately $2,500. While Mariners response lists the financed amount as $3,117.88, that figure includes interest and fees. Based on a *****% interest rate, this would reasonably bring the total repayment to around $3,125.75 if paid over the full term as scheduled.
  

  Total ********************start="795" data-end="798"> I have paid more than $5,000 in total toward this loan, which includes the monthly payments I made prior to default, along with court costs and a final payment of $504.69 made on April 15, 2025. This amount significantly exceeds the financed balance and interest owed.
  

  Loan ***************start="1089" data-end="1092"> As of April 15, 2025, my account has been fully satisfied and paid in full. I respectfully request that this be clearly and accurately reflected in all credit reporting moving forward.
  

  Request for **********************start="1313" data-end="1316"> Given the overpayment of more than $1,800 beyond the principal and estimated interest, I am formally requesting a refund or reimbursement of the excess amount paid. I believe it is only fair and just, considering the full loan terms and the total already collected by Mariner Finance.
  Credit ***************************start="1637" data-end="1640">

  While Mariner states that they report accurately, I am concerned that the account remains reported in a manner that negatively affects my credit, despite the fact that I have fulfilled the loan terms and paid significantly more than what was owed.
  Thank you again for your attention to this matter. I look forward to a fair and reasonable resolution.
  
  Sincerely,
  
  ***** ****

  Business Response

  Date: 04/21/2025

  Thank you for the additional feedback.  However the additional information provided is inaccurate.  Ms. **** states that her loan was for $1,467.  However, Ms. ***** contract has a total amount financed of $3,117.88, the total repayment amount including finance charges and all applicable fees is $4,807.54, as clearly and prominently disclosed in the loan documents provided.  As previously advised, Mariner received the final payment to satisfy the judgment on April 15, 2025, and the account is closed.  Upon processing of Mariner's month end credit reporting update, the account will be updated with the nationwide Credit ****************** to reflect a paid collection account.  

  For any additional questions regarding this inquiry, please contact  Mariner's ***************************** at ************.

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23187348
  
  I am rejecting this response because:

  I am writing to formally dispute the total amount collected by Mariner Finance and to request reimbursement for what I believe to be a substantial overpayment on my loan.

  
  Loan Details:
  Account Number: **********
  Date of Loan Disbursement: November 30, 2021
  Original Loan Amount: $2,500
  Total Amount Financed (per Mariner): $3,117.88
  Total Repayment Amount (per Mariner): $4,807.54
  

  As noted in Mariners most recent response, the final payment of $504.69 was made on April 15, 2025, satisfying the account in full.
  Total *********************start="789" data-end="792"> I have paid approximately $5,500 in total, which includes:
  Monthly payments made before default,
  Court costs totaling $475, and a final lump-sum payment of $504.69 in April 2025.

  This means I paid nearly $700 more than the total repayment amount of $4,807.54 outlined in the loan documents.
  

  Reimbursement *****************start="1139" data-end="1142"> I am formally requesting reimbursement for the amount paid in excess of the full loan repaymentestimated to be approximately $700unless Mariner Finance can provide an itemized breakdown that justifies the full amount received.
  I appreciate your assistance in helping me obtain a clear and fair resolution to this issue.
  

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am the victim of identity theft. The corporation facilitated the theft and attempted to profit from it. When I refused to allow Mariner Finance to deduct unauthorized funds from my account, ********************** reported to the credit bureaus that I was a poor credit risk.

  Business Response

  Date: 04/10/2025

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

  The account in question was opened with ***************** (LendingPoint) on February 3, 2023, and the loan was later purchased by Mariner Finance, LLC (Mariner).  ********* whose LendingPoint accounts were purchased by Mariner received several pieces of communication via mail, email,and text, from both companies regarding the transition of the account,including an acknowledgment that any acquired accounts previously set up for recurring payments, would continue on recurring payments after the transition of the account. 

  Based on our review, the first two recurring payment received by Mariner after acquiring the account, which posted to the account on October 17, 2024, and November 17, 2024, were both returned by the borrowers financial institution, with the return reasons, Customer Advises Not Authorized,and Payment Stopped.  Mariner made numerous efforts to contact the borrower regarding the returned payments with no success.  Because the account remained past due for four (4) payments, and all attempts to contact the borrower were unsuccessful, the defaulted account was referred to a collection attorney on December 24, 2024.

  If the borrower would like to proceed with a fraud claim, they may complete the attached ************************ Identity Theft Victims complaint and Affidavit and return them, along with a copy of their government issued photo identification, and a police report if available, to Mariner Finance Customer Relations, *********************************************  These documents may also be provided to the local Mariner branch.

  For any additional questions regarding this matter, ***** ****** may contact Mariners ***************************** at ************.  To make a payment  or to discuss a potential payment arrangement, the borrower may contact Attorney ************ & ******, PLLC at ************.