Business Profile

Loans

Mariner Finance, LLC

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

417 total complaints in the last 3 years.
143 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:08/04/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Company is a predatory loan company and very good at making their offers sound good during a bad time with finances. They are using my car title as collateral which is illegal in ************ from what I understand.
Business Response
Date: 08/11/2023
Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. Mr. ******* entered into the loan with Mariner on January 31, 2023. The loan is secured by a perfected lien on Mr. ******* 2016 Dodge Dart.

Mariner complies with the Pennsylvania Consumer Discount Company Act regulated by the ************************************************** ****************** have specific questions in regards to his loan, we ask that he contact Mariners ***************************** at ************.
Initial Complaint
Date:08/03/2023
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.
On August 1st I contacted ****** finance on Old Court road about possibly getting a loan through them I end up speaking to a young man named ******* he seem like he was very sarcastic and also he was very arrogant but I didn't pay it any mind he first asked me did I ever have a loan through them I told them no he said you know and so many words that I know somebody that had a loan you know how did I know about them you know I've I've dealt with them in the past tried to get along with them probably like many years ago so to make a long story short he took all my information down and I asked him I said well could I put my husband down he said possibly you know like he didn't really want to do it so I didn't pay it any mind so after he did my application for everything basically he said oh he put me on hold said he was going to run everything through going to say oh well my boss said that you can't even apply for a long because you just get SSI and that's only you only a payee and we don't let people this pay is get loans with us and I said what's funny you should say that I said because I applied for a long years ago and everything but I didn't get the loan he going to say well you never told me that you applied I said it doesn't matter at the end of the day you know what I'm saying I'm applying now if you don't know the rules of your company you should not be doing loans on the phone you should let somebody that's confident enough make the decisions instead of just telling them anything and then he got angry because I said look you not going to talk to me like that and then you know he just hung up on me because he was obnoxious
Business Response
Date: 08/10/2023
Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. ************* request, the Assistant Vice President for the handling region, ******* ****** contacted Ms. **** on August 3, 2023 to review the income documents provided and provide clarity on the income requirements to proceed with the loan application.
Initial Complaint
Date:07/31/2023
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.
Mariner Finance is not reporting the account being paid in full to the credit bureaus . Ive called numerous time about this account since the pay off was submitted july 18th 2023 . I have been told they will ipdate the system and still yet to update the system . Please help me to get this updated . I feel powerless as far as my own credit goes. .I have made of all of my payments in a timely matter a** well as getting account paid . I did my end and i need them to do theres .Please
Business Response
Date: 08/07/2023
Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
Mariner makes accurate account experience information available to the nationwide credit reporting agencies (CRA) by the fifth day of every month, reflecting updates from the month prior, and each *** has its own internal policies that determine how the information is displayed in the credit report. ****************** having paid the account on July 18, 2023, the update would have been provided to the **** between July 31, 2023 and August 5, 2023. Mariner has confirmed that the *** has now updated the account status to reflect a paid collection account.

For any additional questions regarding this matter, we ask that Ms. ********* contact Mariners ***************************** at ************.
Initial Complaint
Date:07/31/2023
Type:Product 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.

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,

****** *****rent customer service representative, she would get service that's unwelcoming, cold, and unappreciative. My mom and I are not interested in doing business with Mariner Finance anymore. **************************************************I filed a consumer complaint with the Office of the Attorney General against Mariner Finance that is attached to this email. I also have a complaint in motion with the ************************************ after I contacted the National Credit ******************** that's attached as well.
Business Response
Date: 08/03/2023
Thank you for contacting us. In an effort to protect the confidential information of our customers, ********************** is unable to discuss our customer's account with a third party unless previously authorized by the customer. In order to assist, we request Ms. ***** contact Mariner's ***************************** at ************, her earliest convenience. We look forward to speaking with her and are happy to address any questions or concerns she may have.
Mariner Finance-Customer Relations
Initial Complaint
Date:07/28/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On June 21st 2023 I borrowed $7,000 from Mariner finance on the 12th of July I traded the car in on another car They were sending Mariner finance the $7,000. On 7/28 Mariner finance advised desert high ******* in Kingman Arizona that the payoff amount was $7,500. My first payment was not even due until July 21st. So why was there a $500 interest? This was a title loan in the interest was less than the other two loans I paid off and I never had this much overage This is ridiculous.
Business Response
Date: 08/02/2023
Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint. ****** ****** entered into the loan with Mariner on June 21, 2023, with an amount financed of $7,000 plus a $200 non-refundable prepaid finance charge and a $35 recording fee. The executed contract requires forty-eight (48) payments of $218.77 beginning on July 21, 2023. The contract prominently discloses the Rule of 78s as the loan interest calculation method.

On July 26, 2023, High ************** contacted Mariner and requested a payoff for Ms. ******* account through August 6, 2023. Mariner quoted a payoff of $7,508.83 through August 6, 2023. On July *******, Ms. ****** contacted Mariner to dispute the payoff provided to High ************** and was advised by the branch manager that payoff provided includes the amount financed, applicable finance charges and fees, and accrued interest through August 6, 2023.

Based on a review of the account, and the terms of the contract, all interest and fees are being accurately assessed. Should ********* have additional questions regarding this inquiry, we ask that she contact Mariners ***************************** at ************.
Initial Complaint
Date:07/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Mariner Finance I do not have a contract with Mariner Finance, they did not provide me the original contract as I requested
Bureau Response
Date: 07/24/2023
Tisha *****
Mariner Finance, LLC

**** **** ****** **
********** ** *****

Dear Tisha *****:



Better Business Bureau (BBB) received a complaint about your business. BBB understands that there are two sides to every dispute, and we have not pre-judged the validity of this claim. This is your opportunity to address the concerns of your consumer and to rebuild the trust that first brought you together. BBB seeks to help businesses resolve their disputes, whether or not they are accredited with BBB. The complaint was submitted on 7/22/2023 and was assigned an ID of *********

How do I take care of this?

Your BBB is requesting a written response to this complaint within the next 7 calendar days. Your prompt and professional response greatly enhances the chance for a successful resolution and will further your reputation as a BBB Accredited Business. If you received this complaint via email, the fastest and easiest way to view and respond is to the simply click on the “Respond to this Complaint”, link located on the left.  All responses will be copied to the complainant.

If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.

To access/respond to this complaint online:

Go to: ****************
Enter the following code: **************

What should I include in my response?

Please provide an explanation of the events from your perspective and/or a concrete plan for how to work toward a resolution. Remember that the more factual information we have about the case, the easier it is for all parties to develop a full understanding of the situation.

Please understand that the complaint content and your response may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any information that personally identifies your customer. By submitting your response, you are representing that it is a truthful account of your experience with this consumer. BBB may edit the complaint or your response to protect privacy rights and to remove inappropriate language.

What will happen if I do not submit a response and what can I expect to happen next?

If you do not respond promptly to this complaint, it may be closed as Unanswered. This may result in a substantially lower rating with BBB, which could adversely influence potential customers. Once we receive your response, we will forward it to your customer and ask them to tell us in writing whether your response resolves their concerns. If they continue to express dissatisfaction, the case will be reviewed by BBB staff to determine if the remaining concerns warrant an additional response. The overall standard applied in the review process is: Did the company act in good faith, and do everything that could be reasonably expected, or is responsible for, to resolve the issue?

We look forward to helping you and your customer work toward an amicable resolution.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####

CUSTOMER EXPERIENCE INFORMATION

Customer Information:

Cory *******

**** * ******* ***
******** ** *****

Daytime Phone: ###-###-####
E-mail: *************************

The details of this matter are as follows:

Complaint Involves:
Billing or Collection Issues

Customer’s Statement of the Problem:

I am not liable for this debt with Mariner Finance I do not have a contract with Mariner Finance, they did not provide me the original contract as I requested

Desired Settlement:
Other (requires explanation)

Correction to my credit report. I demand this account be removed from credit report

Bureau Response
Date: 07/24/2023
Cory *******

**** * ******* ***
******** *** *****

Dear Cory *******:

Thank you for contacting the Better Business Bureau. This message is in regard to your complaint submitted on 7/22/2023 against Mariner Finance, LLC. Your complaint was assigned ID *********

Now that I have filed, what is the next step?

We have forwarded your complaint to the business for their response. We have asked the business to reply promptly, but some disputes may take longer than others to conclude. Please be patient as we work to ensure that your concerns are addressed.

What if I do not agree with the response from the business?

It is important for both parties to maintain realistic expectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to be able to work towards an amicable solution. Should this prove difficult, we may offer you and the business the opportunity to participate in binding arbitration. More information about these options can be found at www.bbb.org

What happens if a business does not respond?

BBB will make every effort to obtain a response from the business, but some businesses simply do not ever contact us. BBB is not an enforcement agency. We cannot force a business to respond. However, failure to do so may result in a negative impact on their BBB rating, which may drive away future customers. BBB can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint.

Feedback from consumers is vital to BBB. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. Please do not hesitate to contact us with any additional questions or concerns.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Business Response
Date: 07/31/2023
Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
Cory ******* entered into the loan with Mariner on December 13, 2021. The executed contract requires thirty-six (36) payments of $114.50 beginning on January 13, 2022. 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.
In order to protect the confidential information of our customers, Mariner requires verification of the requestor's identity prior to providing loan or related documents. Mr. ******* may visit his local Mariner branch with photo ID to receive a printed copy of the original loan document, or he may send a copy of his government issued Identification to Mariner Finance* **** **** ****** ****** *********** ** ****** Mr. ******* has submitted multiple automated credit disputes, all of which have been fully investigated and verified as accurately reporting.
As a data furnisher, Mariner has an obligation to provide accurate credit experience information under the Fair Credit Reporting Act. Based on our review, the information being furnished to the nationwide Credit Reporting Agencies regarding this account, including that it is a charged-off account - is accurate. For any additional questions, Mr. ******* may contact Mariner's Customer Relations Department at ###-###-####.

Bureau Response
Date: 08/02/2023
Cory *******

**** * ******* ***
********** *****

Dear Cory *******:

This message is in regard to your complaint submitted on 7/22/2023 against Mariner Finance, LLC. Your complaint was assigned ID *********

BBB has received a formal response
from Mariner Finance, LLC. We ask that you review the response and understand that BBB
is here to assist both parties in reaching a fair and reasonable resolution.

Please review their response to your complaint and advise us of your position in the matter within 5 calendar days. If we do not hear back from you, BBB will assume you are satisfied and will close your complaint as answered.

Please be sure to indicate whether the business' response is satisfactory or not and how you would like to proceed in this matter.

If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.

To access/respond to this complaint online:

Go to: ****************
Enter the following code: **************

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####

MESSAGE FROM BUSINESS:

Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
Cory ******* entered into the loan with Mariner on December 13, 2021. The executed contract requires thirty-six (36) payments of $114.50 beginning on January 13, 2022. 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.
In order to protect the confidential information of our customers, Mariner requires verification of the requestor's identity prior to providing loan or related documents. Mr. ******* may visit his local Mariner branch with photo ID to receive a printed copy of the original loan document, or he may send a copy of his government issued Identification to Mariner Finance* **** **** ****** ****** *********** ** ****** Mr. ******* has submitted multiple automated credit disputes, all of which have been fully investigated and verified as accurately reporting.
As a data furnisher, Mariner has an obligation to provide accurate credit experience information under the Fair Credit Reporting Act. Based on our review, the information being furnished to the nationwide Credit Reporting Agencies regarding this account, including that it is a charged-off account - is accurate. For any additional questions, Mr. ******* may contact Mariner's Customer Relations Department at ###-###-####.

Bureau Response
Date: 08/07/2023
Tisha *****
Mariner Finance, LLC
**** **** ****** **
********** ** *****

Re: ID * ******** * Cory *******

Dear Tisha *****:

Thank you for your recent response to Cory *******. We have not yet heard from the consumer and are closing this case as answered.

Following our usual procedure, BBB notified the consumer of your response and requested notification of whether or not a satisfactory resolution had been reached. Unfortunately, the consumer has not notified our office if they are satisfied. BBB has determined that your company has addressed the issues within the complaint; therefore we have closed this case in our files. This matter will appear in your BBB Business Profile as: "Answered - The Business addressed the issues within the complaint, but the consumer did not accept the response, OR BBB has not heard back from the consumer as to their satisfaction."

The text of your response may be publicly posted on BBB's website. BBB reserves the right to not post in accordance with BBB policy, and we may edit your response to protect privacy rights and to remove inappropriate language.

In the event the consumer contacts BBB again regarding this issue, we may reach out to you to review any new or additional information we've received from the consumer.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Bureau Response
Date: 08/07/2023
Cory *******

**** * ******* ***
******* ** *****

Re: ID * ********- Mariner Finance, LLC

Dear Cory *******,

We have not received your response to confirm this complaint has been resolved. Therefore, this complaint has been closed and will appear in the company's BBB Business Profile as: “Answered- BBB has not heard back from the consumer as to their satisfaction with the business's response.”

Please know that BBB is always available to discuss your case and review additional information. Thank you for using BBB's Marketplace Services.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Initial Complaint
Date:07/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
After contacting the Allen County Courts I was advised that yes they did file a suit that they have tried to keep me from knowing, using an old address other than the one they have so the courts couldn't serve me. And stating I have not attempted to pay since February, even though they finally accepted a partial payment three days before they filed. They are falsifying claims, and even though they are the ones not wanting to try to work with me, they are claiming I haven't paid. falsifying to the courts is a major offense and I'm sure they'll get in trouble for it. I had screenshots that they won't accept payments and they can't say I am not paying when they won't accept my payments, I heard nothing back from them as well, but finally a few weeks ago they changed it and accepted what I could pay. Since writing and emailing them won't work, I am trying to make some kind of arrangements. I already paid one loan off with them, but with the cost of everything going I cannot afford to make the payments and have been trying to work something out with as many people as I can. It says the ending balance online is *******, it didn't minus the last 2 ***** payments, if you could take the interest, and fees off and stretch that out to four years and accept ***** a month for 48 months, I would do that. That's probably the most I would be able to afford right now. You wouldn't be losing anything, and wouldn't have to charge off, or the cost to go to court if you choose, I've been trying you gotta do something as well.
Business Response
Date: 07/31/2023
Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.

Because Mr. ******** account was past due for three (3) full contractual payment obligations, and all attempts to contact him failed, Mariner initiated legal action to collect the account on May 25, 2023. Mariner made reasonable attempts to contact Mr. ******* regarding the debt via phone and mail, when relief options may have been available to him. Mariner has no record of Mr. ******** having previously communicated a hardship preventing him from keeping his financial obligation.

At the time an account is opened, ********************** provides customers with information on all of the options available for making loan payments and viewing account information. Payments are accepted via debit card, ACH, cash,and money order. Payments are accepted by mail, in-person, by phone, or through Mariner's online *********************** ("CAC") to make it as convenient as possible. Customers can also submit payments in the amount of their choosing using their financial institutions ******** feature.

Should Mr. ******* have additional questions in regards to his account, or to discuss a payment arrangement, we encourage him to contact Attorney ****** ***** at ************.
Mariner Finance- Customer Relations
Business Response
Date: 08/03/2023
Thank you for the additional feedback. As previously stated, at the time an account is opened, ********************** provides customers with information on all of the options available for making loan payments and viewing account information.Payments are accepted via debit card, ACH, cash, and money order. Payments are accepted by mail, in-person, by phone, or through Mariner's online *********************** ("CAC") to make it as convenient as possible.Customers can also submit payments in the amount of their choosing using their financial institutions ******** feature. Mr. ******** is correct that Mariners online payment system previously required the full amount due at the time. However, Mr. ******** had multiple ways to submit a partial payment, including by phone, mail, or setting up a recurring or one-time payment with his financial institution, as indicated above and in our prior response. Mariner made multiple attempts to contact Mr. ******** prior to his account being referred for legal action.

As outlined in the executed contract, when you are in default, your note may be placed in the hands of an attorney. ******************** defaulted on his loan, the account was sent to an attorney for collection assistance. The process of serving a customer is handled by the court system. If ********** has additional questions regarding this account or would like to discuss a payment arrangement, he will need to contact Attorney ****** ***** at ************.
Customer Answer
Date: 08/02/2023

Complaint: 20357775

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

I can't get the video to play having sent it to my email address, so it's now uploaded on ******* and you can go there to watch it. the video shows that on april 20th I tried to pay ***** towards the account, and you would not accept anything less than the full payment, unlike you stated in you reply, which I told you I had video evidence that you wouldn't accept it. I also sent screenshots of two emails one to the mail email one in response to ******* the ft. ***** site manager. One I stated the reason why I wasn't able to pay and said the same thing, the other that I wasn't going to call the office, I've got hardly any minutes to call and explained it. I sent you a letter in the mail before I stopped paying asking for some kinda help, and got absolutely nothing back. I also responded to two letters again stating what was going on, and I was trying, and got nothing back. I explained why I wanted to write instead of calling, didn't get a response, just more letters. I sent the two emails and got nothing but a threatening letter that you were going to take me to court. Even though you wouldn't accept my payments.

You did not take legal action, you had a "Lawyer" usually one that calls themself a laywer but didn't pass the bar, to try and collect, which I immediately went to their site and clicked on contact, and wrote to them that I wasn't sending them anything, cause I didn't owe them anything, and that you wouldn't accept my payments I tried to send and that if they wanted it paid they needed to accept whatever kind of payment I could send.
Getting a debt collector isn't legal action, and if there was any kinda legal action, you would have had to send me a certified letter, or have a police officer deliver it to me, which you failed to do. Some time after emailing your "Lawyer" and after taking "Legal Action" you finally changed and let me a minimum of *****. Anything less you won't accept, so you're still lying. You can't refuse payments, like you did and say I didn't try to pay, not respond to any of my emails or letters, refuse to help me and say you couldn't get in contact with me, and then accept payment, which you attatched where I finally paid, cause you finally accepted it, and say I have to deal with your "Laywer" cause you accepted payments. You're a fraud company that won't work with anyone, and say it's too late, blah blah blah when I've resorted to this to try to work something out cause YOU wouldn't work with me to begin with.

Sincerely,

***** ********
Customer Answer
Date: 08/08/2023
I ask that you keep this thread open, I know you usually close it, I'm going to send something to the courts, so this may need to remain open as this is the only way I've been able to get some kinda contact with Mariner Finance. First of all I asked in writing to not contact me by phone, only mail and email, which they didn't follow. They say they never recieved an email, but my account still shows ***************, I've gotten mail from Mariner to my correct address, ************* so if it's not changed on my account, the only way they got it is from my letters, which I stated to sent to my email address ***************************** or mail me at ****************, or from the outside of my letter, so that's proof that I did send them messages. After looking up, I was finally able to make a payment July 8th, five days later they filed a lawsuit, falsifying information that I never attempted to make a payment as of the 10th of July, two days after I made a payment. They also gave my old address, when they know my correct address to try and delay the case. So I'm contacting the courts and telling them everything that Mariner has done.
Customer Answer
Date: 08/03/2023

Complaint: 20357775

I am rejecting this response because: like all the other times I am trying to make arrangements ****** ***** doesn't respond like you this is the only way I've gotten a response and you are still unwilling to work on a payment schedule.

Sincerely,

***** ********
Initial Complaint
Date:07/22/2023
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.
So i called mariner finance in ******** ******** ***** ********. I applied for a loan. Asked to borrow $1500. They ran my credit and called back and said i would need a co-signer with income since equifax has nothing on file for me. I said no problem. I got me a co-signer my mother in law. Obtained her info. They called me back and said come on in tomorrow with proof of employment and pay stubs. I was approved. I said okay. So fast forward to today. I went in and they pulled up my info and said and explained terms and payments of the loan. After 10-15 minutes into this I got told they can’t pay out the loan due to my credit report not being pulled. Asked me to call equifax and sort it out. Which i did in the office there. Equifax cleared my account on there end. Then i got told by mariner finance oh well you still can’t get a loan due to ****ing under budget. I tried to explain the situation of One auto loan which was stopping me from loan through mariner finance. I have filed chapter 7 4 months ago. They stated well manager who u spoke with should’ve known better before giving you the approval. Now i am trying to call the place and they wont answer my call. Poor buisness experience. I have documents that shows i am free of the account that shows on my credit report and wanted to retry to apply for the loan. But the office won’t even answer my call anymore. I have been trying for past 4-5 hours to reach them.
Bureau Response
Date: 07/25/2023
Tisha *****
Mariner Finance, LLC

**** **** ****** **
********** ** *****

Dear Tisha *****:



Better Business Bureau (BBB) received a complaint about your business. BBB understands that there are two sides to every dispute, and we have not pre-judged the validity of this claim. This is your opportunity to address the concerns of your consumer and to rebuild the trust that first brought you together. BBB seeks to help businesses resolve their disputes, whether or not they are accredited with BBB. The complaint was submitted on 7/21/2023 and was assigned an ID of *********

How do I take care of this?

Your BBB is requesting a written response to this complaint within the next 7 calendar days. Your prompt and professional response greatly enhances the chance for a successful resolution and will further your reputation as a BBB Accredited Business. If you received this complaint via email, the fastest and easiest way to view and respond is to the simply click on the “Respond to this Complaint”, link located on the left.  All responses will be copied to the complainant.

If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.

To access/respond to this complaint online:

Go to: ****************
Enter the following code: **************

What should I include in my response?

Please provide an explanation of the events from your perspective and/or a concrete plan for how to work toward a resolution. Remember that the more factual information we have about the case, the easier it is for all parties to develop a full understanding of the situation.

Please understand that the complaint content and your response may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any information that personally identifies your customer. By submitting your response, you are representing that it is a truthful account of your experience with this consumer. BBB may edit the complaint or your response to protect privacy rights and to remove inappropriate language.

What will happen if I do not submit a response and what can I expect to happen next?

If you do not respond promptly to this complaint, it may be closed as Unanswered. This may result in a substantially lower rating with BBB, which could adversely influence potential customers. Once we receive your response, we will forward it to your customer and ask them to tell us in writing whether your response resolves their concerns. If they continue to express dissatisfaction, the case will be reviewed by BBB staff to determine if the remaining concerns warrant an additional response. The overall standard applied in the review process is: Did the company act in good faith, and do everything that could be reasonably expected, or is responsible for, to resolve the issue?

We look forward to helping you and your customer work toward an amicable resolution.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####

CUSTOMER EXPERIENCE INFORMATION

Customer Information:

Muhammad *******

*** ******** ***
********* ** *****

Daytime Phone: ###-###-####
E-mail: *******************************

The details of this matter are as follows:

Complaint Involves:
Customer Services Issues

Customer’s Statement of the Problem:

So i called mariner finance in ******** ******** ***** ********. I applied for a loan. Asked to borrow $1500. They ran my credit and called back and said i would need a co-signer with income since equifax has nothing on file for me. I said no problem. I got me a co-signer my mother in law. Obtained her info. They called me back and said come on in tomorrow with proof of employment and pay stubs. I was approved. I said okay. So fast forward to today. I went in and they pulled up my info and said and explained terms and payments of the loan. After 10-15 minutes into this I got told they can’t pay out the loan due to my credit report not being pulled. Asked me to call equifax and sort it out. Which i did in the office there. Equifax cleared my account on there end. Then i got told by mariner finance oh well you still can’t get a loan due to ****ing under budget. I tried to explain the situation of One auto loan which was stopping me from loan through mariner finance. I have filed chapter 7 4 months ago. They stated well manager who u spoke with should’ve known better before giving you the approval. Now i am trying to call the place and they wont answer my call. Poor buisness experience. I have documents that shows i am free of the account that shows on my credit report and wanted to retry to apply for the loan. But the office won’t even answer my call anymore. I have been trying for past 4-5 hours to reach them.

Name of Salesperson:
Dr.

Desired Settlement:
Other (requires explanation)

Not Entered

Bureau Response
Date: 07/25/2023
Muhammad *******

*** ******** ***
********* *** *****

Dear Muhammad *******:

Thank you for contacting the Better Business Bureau. This message is in regard to your complaint submitted on 7/21/2023 against Mariner Finance, LLC. Your complaint was assigned ID *********

Now that I have filed, what is the next step?

We have forwarded your complaint to the business for their response. We have asked the business to reply promptly, but some disputes may take longer than others to conclude. Please be patient as we work to ensure that your concerns are addressed.

What if I do not agree with the response from the business?

It is important for both parties to maintain realistic expectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to be able to work towards an amicable solution. Should this prove difficult, we may offer you and the business the opportunity to participate in binding arbitration. More information about these options can be found at www.bbb.org

What happens if a business does not respond?

BBB will make every effort to obtain a response from the business, but some businesses simply do not ever contact us. BBB is not an enforcement agency. We cannot force a business to respond. However, failure to do so may result in a negative impact on their BBB rating, which may drive away future customers. BBB can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint.

Feedback from consumers is vital to BBB. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. Please do not hesitate to contact us with any additional questions or concerns.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Business Response
Date: 08/01/2023
Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relation Department has thoroughly reviewed this complaint.
Mr. ******* applied for Credit with Mariner on July 21, 2023.  After Mr. ******* having
contacted the credit bureau to have his credit report released and after reviewing the verification documents provided by Mr. *******, Mariner was unable to honor
the contingent approval due to delinquent past or present credit obligations with with others and insufficient income for the amount of credit requested. All approvals are pending verification of information obtained in the credit application.  An adverse action noticed was sent to Mr. ******* as required.
We have asked the Branch Manager for the handling location to contact Mr. ******* to further discuss the recent application and reasons for denial. Mariner appreciates the opportunity to address Mr. *******'s concerns and encourages him to apply again in the future, should his situation change. For anything additional questions, we ask that Mr. ******* contact Mariner's Customer Relations Department at ###-###-####.

Bureau Response
Date: 08/02/2023
Muhammad *******

*** ******** ***
*********** *****

Dear Muhammad *******:

This message is in regard to your complaint submitted on 7/21/2023 against Mariner Finance, LLC. Your complaint was assigned ID *********

BBB has received a formal response
from Mariner Finance, LLC. We ask that you review the response and understand that BBB
is here to assist both parties in reaching a fair and reasonable resolution.

Please review their response to your complaint and advise us of your position in the matter within 5 calendar days. If we do not hear back from you, BBB will assume you are satisfied and will close your complaint as answered.

Please be sure to indicate whether the business' response is satisfactory or not and how you would like to proceed in this matter.

If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.

To access/respond to this complaint online:

Go to: ****************
Enter the following code: **************

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####

MESSAGE FROM BUSINESS:

Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relation Department has thoroughly reviewed this complaint.
Mr. ******* applied for Credit with Mariner on July 21, 2023.  After Mr. ******* having
contacted the credit bureau to have his credit report released and after reviewing the verification documents provided by Mr. *******, Mariner was unable to honor
the contingent approval due to delinquent past or present credit obligations with with others and insufficient income for the amount of credit requested. All approvals are pending verification of information obtained in the credit application.  An adverse action noticed was sent to Mr. ******* as required.
We have asked the Branch Manager for the handling location to contact Mr. ******* to further discuss the recent application and reasons for denial. Mariner appreciates the opportunity to address Mr. *******'s concerns and encourages him to apply again in the future, should his situation change. For anything additional questions, we ask that Mr. ******* contact Mariner's Customer Relations Department at ###-###-####.

Bureau Response
Date: 08/07/2023
Tisha *****
Mariner Finance, LLC
**** **** ****** **
********** ** *****

Re: ID * ******** * Muhammad *******

Dear Tisha *****:

Thank you for your recent response to Muhammad *******. We have not yet heard from the consumer and are closing this case as answered.

Following our usual procedure, BBB notified the consumer of your response and requested notification of whether or not a satisfactory resolution had been reached. Unfortunately, the consumer has not notified our office if they are satisfied. BBB has determined that your company has addressed the issues within the complaint; therefore we have closed this case in our files. This matter will appear in your BBB Business Profile as: "Answered - The Business addressed the issues within the complaint, but the consumer did not accept the response, OR BBB has not heard back from the consumer as to their satisfaction."

The text of your response may be publicly posted on BBB's website. BBB reserves the right to not post in accordance with BBB policy, and we may edit your response to protect privacy rights and to remove inappropriate language.

In the event the consumer contacts BBB again regarding this issue, we may reach out to you to review any new or additional information we've received from the consumer.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Bureau Response
Date: 08/07/2023
Muhammad *******

*** ******** ***
******** ** *****

Re: ID * ********* Mariner Finance, LLC

Dear Muhammad *******,

We have not received your response to confirm this complaint has been resolved. Therefore, this complaint has been closed and will appear in the company's BBB Business Profile as: “Answered- BBB has not heard back from the consumer as to their satisfaction with the business's response.”

Please know that BBB is always available to discuss your case and review additional information. Thank you for using BBB's Marketplace Services.

Sincerely,

Serigne ****
Dispute Resolution & Investigations Specialist
***********************

Phone: ###-###-####
Initial Complaint
Date:07/20/2023
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.
MARINER FINANCE did not provide me with the original contract a I requested
Business Response
Date: 07/27/2023
Thank you for contact us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.

In order to protect the confidential information of our customers, ********************** requires verification of the requestors identity prior to providing loan or related documents. Mr. **** may visit his local Mariner branch with a copy of his government issued photo identification to receive a printed copy of the original loan document,or he may send a copy of his government issued Identification to Mariner Finance, *********************************************

Mr. **** has submitted automated credit disputes claiming inaccurate information pertaining to his account, all of which have been investigated and responded to as accurately reporting. Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Based on our review, the information furnished by Mariner to the nationwide Credit ****************** is accurate. In the event Mr. **** has additional questions regarding his account, he may contact Mariners ***************************** at ************. If Mr. **** would like to make a payment, he may contact Mariners ******************* at ************.
Initial Complaint
Date:07/05/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Mariner Finance. I've disputed the validity of this account multiple times. I've asked them to provide me with all the steps they took to investigate the accuracy of this account. They did not provide me with steps they took to ensure that this account is accurate and complete. They continue to report inaccurate information to my credit profile. According to the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. They are violating my rights and hindering my life. I've also requested the contract with Mariner Finance and they did not provide original contract as I requested.
Business Response
Date: 07/12/2023
Thank you for contacting us. We take customer concerns seriously, and our ***************************** has researched this complaint.

***** ********* entered into the loan with Pioneer Credit Company (Pioneer) on August 29, 2016. Pioneer was later acquired by Mariner Finance, LLC (Mariner). The executed contract requires one (1)payment of $148.05, followed by twenty-three (23) payments of $120.00, with the first payment due on October 13, 2016. As part of 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.

Because *** ********** account remains past due for the March 13, 2017 contractual payment obligation and no payment arrangement was achieved, Mariner initiated legal action to collect the account on May *******. On August 23, 2022, *** ********* contacted Mariner requesting to settle the account. A settlement offer was made to *** *********,however no additional payments have been received.

In order to protect the confidential information of our customers, ********************** requires verification of the requestors identity prior to providing loan or related documents. ************ may visit her local Mariner branch with a copy of her government issued photo identification to receive a printed copy of the original loan document, or she may send a copy of her government issued Identification to Mariner Finance, *********************************************

*** ********* has submitted multiple automated credit disputes claiming inaccurate information pertaining to her account, all of which have been investigated and responded to as accurately reporting. Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies is accurate. In the event *** ********* has additional questions regarding her account, she may contact Mariners ***************************** at ************. If *** ********* would like to make a payment, she may contact Mariners ******************* at ************.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

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Mariner Finance, LLC is NOT a BBB Accredited Business.