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

  145 Wolf Rd Albany, NY 12205

• 

  Mariner Finance

  604 Moraine Point Plaza Butler, PA 16001

• 

  Mariner Finance

  1155 Washington Pike Suite 60 Bridgeville, PA 15017

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:03/09/2023

  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.

  March 7, 2023 a pay off was made to mariner finance for the amount of $6974 dollars for a personal loan. This loan was taken out in September of 2021 for the amount of $7000. We were told all loan documents and previous loan information could be found on the website. After multiple times of trying to log in we were able to log in after pay off. When looking at the website we are unable to find and documentation of the previous loan or current loan which was paid off on March 7th. As of March 9th 2023 we have been charged the pay off amount and the monthly payment. Still have not received the loan documents or proof that we had a loan with them at anytime. All payments where made on time through automatic withdrawl.

  Business Response

  Date: 03/09/2023

  Thank you for contacting us. 
  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and
  our Customer Relations Department has thoroughly researched this
  complaint. 
  
  Matthew Maschino entered into the loan with Mariner on
  September 24, 2021.  The executed contract
  required one (1) payment of $384.42 followed by fifty-nine (59) payments of
  $283.50 with the first payment due on November 7, 2021.  On March 7, 2023, Mariner received a payment in
  the amount of $6722.48 which settled the account in full.  Paid in full documents will be mailed to Mr.
  Maschino’s address of record on March 17, 2023.
  
  In an effort to protect our customer’s sensitive information,
  loan documents are unavailable to view online once an account has been closed.  A review of Mr. Maschino’s account confirms
  he contacted his servicing branch location on March 9, 2023 with this concern,
  and this information was relayed to him.
  
  We appreciate Mr. Maschino’s business and apologize for any
  inconvenience.  As previously stated,
  paid in full document will be available for Mr. Maschino as of March 17, 2023.  He is welcome to visit his servicing branch location
  to pick up a copy or we will mail them as currently scheduled.  For any additional questions, please contact
  Mariner’s Customer Relations Department at ###-###-####.

   

  Mariner Finance

  Customer Relations

• Initial Complaint

  Date:03/01/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Refinanced a new loan through them, and the the previous loan was nearing it's 30 day past due ***** Asked if I should still pay that loan within the 30 day window, so it will not report to credit as being 30 days past due. I was told that wasn't necessary and that the new refinanced loan would take care of that and it would NOT report in any way late to credit, even though it was going to be technically past 30 days when the new loan was financed/refinanced. A month later, it WAS reported as 30 days late and dropped my credit score 43 points on 2 reporting services. I contact the company twice to state what I was told and what happened and they said I was lying and there wasn't any way to correct it on their end and suggested I submit a dispute with credit which I did and it came back as stating Mariner said all of the information on the account was accurate, even though they said it wouldn't ever report late to credit. I would like for them to rectify this by simply removing the 30 day past due on my credit report for the previous loan which is now refinanced.

  Business Response

  Date: 03/01/2023

  Thank you for contacting us.  Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.  

  A firm offer of credit, also known as a Loan by Mail, was sent to ****** *****. The Loan by **** is a direct mail loan offer that complies with all applicable state and federal regulations and is extended to credit qualified individuals. The prescreened offer, as required by law, clearly states that it is a loan offer and by executing the document, the individual is entering into a contractual loan agreement.  Mariner received notice that the offer was executed on March 2, 2022.  The executed contract requires forty (40) payments of $133.88 beginning on April 2, 2022.  Because the account remained past due for the April 2, 2022 contractual payment obligation and no payment arrangement had been achieved, Mariner initiated legal action to collect the account on June 8, 2022.

  On August 30, 2022 Ms. ***** contacted Mariner claiming the account had been opened fraudulently.  Ms. ***** was advised that in order to initiate a fraud claim, she would need to complete the required claim forms and provide a copy of her government issued identification and a police report.  The claims forms were made available to Ms. ************ A review of applicable records confirms Ms. ***** provided her identification and police report, but did not provide all required claim forms until December 29, 2022.  Upon receipt of all required documentation, the account was escalated to Mariner's fraud team and coded to reflect a pending fraud investigation, which is preventing the account from affecting Ms. ******* credit while the investigation is ongoing.  Upon completion of the investigation, a representative from our Fraud investigation team will contact Ms. ***** with results.  

  We appreciate Ms. ******* patience during this process.  Should she have any additional questions, she may contact our ***************************** at ************.

  Customer Answer

  Date: 03/03/2023

   
  Complaint: 19520154
  
  I am rejecting this response because: I am not ****** *****.  This is talking about another account of someone else who is not me.  I am ***** ********.
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 03/07/2023

  Thank you for contacting us. Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
  
  ***** ******** entered into the loan in question with Mariner Finance, LLC (Mariner) on March 5, 2021.  The executed contract required thirty-six payments of $106.12 beginning on April 5, 2021.   With *** account past due for the December ****** contractual payment obligation, Mariner made reasonable attempts to reach him regarding the status of his account via phone and mail, but was unable to reach him. 
  
  On December 30, 2022, *** ******** initiated an application online for additional funds, which was referred to his servicing branch location.  On January 6, 2023, with his account already having reached 30 day delinquent status, *** ******** refinanced the account with his local Mariner branch.  The refinance relieved *** ******** of the ****************** obligation, but did not change the reporting of the account, as the ********************** was completed after the account became 30 days delinquent .  However, as a one-time courtesy to our customer, ********************** has submitted a manual update request to the nationwide Credit ****************** (CRA) to delete the late reporting for January 2023.  Please be advised **** may take up to 45 days to process requests of this nature.
  
  Reporting accurate credit experience data is an essential obligation of a data furnisher under the Fair Credit Reporting Act.  Mariner Finance makes accurate information available to all credit reporting agencies on a monthly basis through an automated process, and this process is not controlled by the serving branch locations. 
  
  For any additional questions regarding this matter, please contact Mariners ***************************** at ************.
  
  Mariner Finance
  Customer Relations

  Customer Answer

  Date: 03/07/2023

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

• Initial Complaint

  Date:03/01/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am the victim of identity theft. They say I took out a loan on 3.2.22, and spoke to them on 3.18.22. I learned about the loan/check in August. I filed a report with the ******** ****** Ohio Sheriff's dept. I have provided copies of my driver's license and the police report to them to show I did not receive or cash a check from them. I call them every two to three weeks to check the status of the issue. I would like them to retrieve a copy of the bank security cameras which should show who cashed the check in question. I am trying to work with ***** at the Reynoldsburg, Ohio office.

  Business Response

  Date: 03/02/2023

  Thank you for contacting
  us.  Mariner Finance, LLC ("Mariner") takes customer concerns
  seriously, and our Customer Relations Department has thoroughly researched this
  complaint.  

  
  A
  firm offer of credit, also known as a “Loan by Mail,” was sent to ****** *****.
  The “Loan by Mail” is a direct mail loan offer that complies with all
  applicable state and federal regulations and is extended to credit qualified
  individuals. The prescreened offer, as required by law, clearly states that it
  is a loan offer and by executing the document, the individual is entering into
  a contractual loan agreement.  Mariner received notice that the offer was
  executed on March 2, 2022.  The executed contract requires forty (40)
  payments of $133.88 beginning on April 2, 2022.  Because the account
  remained past due for the April 2, 2022 contractual payment obligation and no
  payment arrangement had been achieved, Mariner initiated legal action to
  collect the account on June 8, 2022.

  On
  August 30, 2022 Ms. ***** contacted Mariner claiming the account had been
  opened fraudulently.  Ms. ***** was advised that in order to initiate
  a ***** claim, she would need to complete the required claim forms and provide
  a copy of her government issued identification and a police report.  The
  claims forms were made available to Ms. *****.  A review of applicable
  records confirms Ms. ***** provided her identification and police report, but
  did not provide all required claim forms until December 29, 2022.  Upon
  receipt of all required documentation, the account was escalated to Mariner's
  ***** team and coded to reflect a pending ***** investigation, which is
  preventing the account from affecting Ms. *****'s credit while the
  investigation is ongoing.  Upon completion of the investigation, a
  representative from our ***** investigation team will contact Ms. ***** with
  results.  

  
  We
  appreciate Ms. *****'s patience during this process.  Should she have any
  additional questions, she may contact our Customer Relations Department at
  ###-###-####.

  Customer Answer

  Date: 03/03/2023

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

• Initial Complaint

  Date:02/27/2023

  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.

  The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection of consumers' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies. This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.MARINR FINC ************

  Business Response

  Date: 02/28/2023

  Tell us why here...Thank you for bringing this matter to our attention.  We take customer concerns seriously, and our ***************************** has thoroughly researched this complaint.
  
  ****** ******* entered into the loan agreement with Personal Finance Company (PFC) as a co-borrower on July *******, by refinancing his existing loan and advancing additional funds.  PFC later rebranded to Mariner Finance, LLC (Mariner).  The executed contract requires one (1) payment of $227.32 followed by, thirty six (36) payments of ******, with the first payment due on August 20, 2019.
  
  Because the account was past due for the September 20, ******************************************************************* place, and all attempts to contact the account holders having failed, Mariner initiated legal action to collect the account on December *******.  A judgment was awarded in favor of PFC, N/K/A Mariner on June 21, 2022. Mariner has been receiving agency payments via ******************************************************* since the judgment was awarded.
  
  Regarding Mr. ******* allegation that Mariner violated the Fair Credit Reporting Act Mariner includes an initial disclosure regarding credit reporting in the **** Act Notice and in the Privacy Notice, both of which were provided to Mr. ******* at the time his loan was originated. To further clarify, credit reporting is clearly identified in Mariners Privacy Notice, and in 15 U.S. Code 6802, as a type of sharing that cannot be limited by a consumer.
  
  Mr. ******* has submitted multiple frivolous disputes regarding this account, including multiple CFPB complaints and automated credit disputes claiming inaccurate information.  Mariner has thoroughly investigated and responded to each dispute received as required by law and have also provided Mr. ******* a copy of his original loan documents and the identification used to secure the loan as requested.  Mariner considers this dispute resolved.    
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Based on a review of Mr. *************** the information furnished by Mariner to the nationwide credit reporting agencies is accurate.
  
  For any additional questions, Mr. ******* may contact Mariners ***************************** at ************.  

• Initial Complaint

  Date:02/27/2023

  Type:Service or Repair 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.

  date of transaction: 02/21/2023
  
  the amount of money you paid the business: $127.28
  
  What the business committed to provide
  you: the business committed to using the updated banking information that i provided them authorization to use with their autopay feature
  
  What is the nature of the dispute?: This business illegally withdrew funds from an old checking that I have on file with them. they will not allow you to remove the old checking from their online system; even after adding a new and separate checking account to their online system.
  
  Has the business has tried to resolve the problem?: No, the business has not tried to resolve the problem despite me addressing this issue with them over the phone once before. instead, they are unlawfully withdrawing funds from an old checking that I have on-file with them; despite having my update checking account information.
  
  Account number: **************

  Business Response

  Date: 03/08/2023

  Thank you for contacting us.   Mariner Finance, LLC (“Mariner”) takes customer
  concerns seriously, and our Customer Relations Department has thoroughly
  researched this complaint. 
  
  Customers have on demand access to view loan documents and
  transaction history,  and to set up,
  change, or disable auto pay features by logging in to our online Customer
  Account Center (CAC).  A review of Mr.
  ****** online session confirms that while he did attempt to update his account
  information, he failed to complete all required steps and confirm the account
  changes when prompted.  If Mr. **** requires
  assistance updating his payment method online, please contact Mariner’s
  Customer Relations Department for assistance. 
  
  Mariner Finance
  Customer Relations

  Customer Answer

  Date: 03/13/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, the business contacted me via phone and updated my bank information. The representative that I spoke with on the phone said that the old bank was indeed still showing in the system. I explained that the option to "remove" the old bank were indeed "grayed-out;" which prevented me from being able to update my default bank information as this business is suggesting that I "failed to do." Stop lying, God see's the truth even if you can lie to other people to make it look like its not your fault. I've done nothing wrong here but try to be a responsible consumer. And you failed to correct an issue that I've brought to your attention, twice. So there's no need for you to try and defame my integrity by saying that I failed to complete a process on your website that was literally unavailable to me due to some system glitch, error, or limitation. 
  

  At this point, the phone rep advised me that my bank account information was updated in the system since she manually updated it over the phone. We'll see what happens on my next automatic payment. Nevertheless, this particular complaint should be closed.

  If I run into any more issues with this business, I know when, where, and how to file the appropriate BBB complaint. Thank you, BBB, for all that you do. 

  
  
  Kind regards,
  
  
  
  *** ****

• Initial Complaint

  Date:02/24/2023

  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.

  see attached
  Click here to Get the File - use the Password: ********
  ****************

  Business Response

  Date: 03/10/2023

  Thank you for contacting us. 
  Mariner Finance, LLC (“Mariner’) takes customer concerns seriously, and
  our Customer Relations Department has thoroughly researched this
  complaint. 
  
  ***** **** *** entered into the loan in question with Mariner
  on August 31, 2022 by refinancing his prior Mariner loan.  The loan was secured by a perfected lien on a
  2018 Chevrolet Traverse.  Mariner paid $11,676.01
  to ********* ******* ****** ***** to pay the remaining balance owed on Mr. ******
  vehicle, and provided additional cash to Mr. **** in the amount of $10,323.99.  The terms of the loan are clearly and prominently
  displayed on the signed loan agreement and copies of the documents are made available to the customer at loan closing.  In addition
  Mr. **** provided his title and signed a power of attorney authorizing Mariner perfect
  the lien on the auto for the purpose of securing the loan.  A review of
  applicable records confirm Mr. **** spoke with is servicing branch location on
  October 31, 2022 regarding these same concerns, and the loan was reviewed with him
  in detail with the Branch Manager.  Upon payment of the loan in full, Mariner will provide a lien release along with Mr. ****** paid
  in full documents according to our policy.
  
  For any additional questions regarding this matter, please contact
  Mariner’s Customer Relations Department at ###-###-####.

  Customer Answer

  Date: 03/13/2023

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

• Initial Complaint

  Date:02/24/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i thougth the account wall closed and charged off but they keep adding intrest to this closed account it started off some where ariund 2000 dollars now its gone up to over 6000 dollars i need to pay this account but at a lesser amount ithey wont let me do that

  Business Response

  Date: 03/01/2023

  Thank you for contacting us. 
  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and
  our Customer Relations Department has thoroughly researched this complaint.
  
  ***** ******* entered into the loan with Mariner on
  September 7, 2018.  The executed contract
  requires one (1) payment of $187.57 followed by twenty-nine (29) payments of
  $147.67 beginning on October 22, 2018. 
  As outlined in Mr. *******’s contract, interest will continue to accrue
  until the account balance is paid in full.
  
  Because Mr. *******’s account remained past due for the
  December 22, 2018 contractual payment obligation and no payment arrangement had
  been achieved, Mariner initiated legal action to collect the account on
  February 13, 2019.  Judgment was awarded
  in favor of Mariner on March 18, 2019 in the amount of $2,985.06 plus interest
  and court costs.  A review of applicable
  records confirm Mr. ******* has previously contacted Mariner regarding the same
  concerns.  Mr. ******* was advised that
  he is required to pay the loan according to the court judgment, and that no
  alternative settlement options are available. 
  
  For any additional questions regarding this matter, Mr.
  ******* may contact Mariner’s Customer Relations Department at ###-###-####.   To make a payment, please contact Mariner’s
  Recovery Department at ###-###-####.
  why here...

• Initial Complaint

  Date:02/23/2023

  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.

  They have been trying to contact me at work, I have sent them multiple emails and responses to cease and desist not contact me at work and they are still calling daily. This is a federal offense

  Business Response

  Date: 03/08/2023

  Thank you for contacting us.  Mariner Finance, LLC (Mariner) takes customer concerns seriously, and our ***************************** has thoroughly researched this complaint.  We apologize for the response time, as Mariner just received this complaint via **** on March 8, 2023.
  
  On February 22, 2023, Ms. ******* emailed Mariner to request no additional calls to her work number.  The account was immediately updated to reflect her request, and a review of applicable records confirms no attempts to contact Ms. ******* at her place of employment since the receipt of her request.  All attempts to contact Ms. ******* have been in an effort to discuss the account status and potentially offer assistance.  We would like to remind Ms. ******* that her account remains past due for the January 7, 2023 contractual payment obligation. 
  
  For any additional questions regarding this matter, we ask that Ms. ******* contact Mariners ***************************** at ************.  

• Initial Complaint

  Date:02/15/2023

  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 applied at Mariner Finance located at 981 Wayne Ave Sté. 42 Chambersburg, Pa for a loan on 11/5/2020 and was able to make the $271.44/ month until I had to cut back working to take care of my daughter. She passed away 6/19/2021. I kept making payments and made Mariner aware of what happened all the while. Covid-19 also played a large factor because I’m an LPN and suffered extreme cut in pay due to circumstances beyond my control. I’ve made at least 30 or more payments and have asked Mariner for consideration and take these things as well as a 28 day hospital stay in 7-8/2022 which left me on oxygen and unable to work full capacity. There has been smaller payments made but recently paying has become impossible. Mariner calls repeatedly for payment and I continue to receive threats of being reported to “magistrate” during my conversation with Brian who works in the Chambersburg, Pa office on 2/10/2023. Please help if you can. Thank you. Respectfully, ****** *******

  Business Response

  Date: 02/15/2023

  Thank you for contacting us. 
  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and
  our Customer Relations Department has thoroughly researched this
  complaint. 
  
  ****** ****** entered into the loan with Mariner Finance, LLC (“Mariner”)
  on November 5, 2020.  The executed
  contract requires thirty-six (36) payments of $271.44 beginning on December 5,
  2020.
  
  Mariner attempts to provide assistance to customers when they
  experience financial difficulties that may temporarily affect their ability to
  meet their contractual obligation. 
  Mariner assisted Ms. ****** with a deferment on September 27, 2022 which
  brought the account from past due for the August 2022 payment to current and next
  due for the September 2022 payment. 
  Mariner has not received a full account payment since assisting Ms. ****** with the deferment in September, leaving the account next due for
  September 5, 2022 .  A review of
  applicable records also confirm that we offered additional options that may
  have afforded the opportunity to skip additional payments and potentially reduce
  the monthly payment, to which Ms. ****** declined.   At this
  time, All available relief options
  have been reviewed with Ms. ******.
  
  Mariner respectfully disputes Ms. ******’s claims of threats. However,
  we believe that it is important for customers to understand how paying a
  contractual obligation late may affect them.  Should Ms. ****** have additional questions regarding this matter, we ask that she contact Mariner’s Customer
  Relations Department at ###-###-####.  To
  make a payment, Ms. ****** may contact her servicing branch location.
  
  Marine Finance
  Customer Relations

• Initial Complaint

  Date:02/06/2023

  Type:Sales and Advertising 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.

  15 U.S code 1692 (g) validation of debt
  15 U.S code 1692d harassment and abuse
  15 U.S code 1692e False or misleading representations
  15 U.S code 1692f-Unfair practices
  Under 15 U.S code 1692k civil liability

  Business Response

  Date: 02/15/2023

  Thank you for contacting us. 
  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and
  our Customer Relations Department has thoroughly researched this
  complaint. 
  
  ******** *** entered into the loan with Mariner on October
  6, 2017.  The executed contract requires
  thirty (30) payments of $86.12 beginning on November 6, 2017.  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 addition, ACH payments were made via Mr. ***’s checking account.
  
  With Mr. ***’s account past due for the September 6, 2018
  contractual payment obligation and all attempts to contact him having failed,
  Mariner initiated legal action to collect the account on November 2, 2018.  A judgment was awarded in favor of Mariner on
  September 16, 2019.
  
  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.
  *** has submitted several frivolous disputes related to his loan with no
  supporting documentation, including multiple automated credit disputes, all of
  which have been investigated and responded to accordingly.  However, since identification and proof of
  address were provided with this complaint, Mariner has mailed the documentation to the
  address provided within this dispute, per Mr. ***’s request. 
  
  Reporting accurate credit experience data is an essential
  obligation of data furnishers under the Fair Credit Reporting Act.  Mariner makes accurate account information
  available to the Credit Reporting Agencies (“CRA”) on a monthly basis, and each
  CRA has its own internal policies that determine how the information is
  displayed in the credit report.  Based on
  our review, the information furnished by Mariner – including that the account
  is a collection account, is accurate.  For
  any additional questions, Mr. *** may contact Mariner Customer Relations
  Department at 844-338-2080.  To make a payment, we ask that
  he contact Mariner’s Recovery Department at 888-296-1002.

  Mariner Finance

  Customer Relations

  Customer Answer

  Date: 02/23/2023

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