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.

close

Find a Location

Mariner Finance, LLC has 292 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Mariner Finance, LLC

  8211 Town Center Drive Nottingham, MD 21236

• 

  Mariner Finance

  145 Wolf Rd Albany, NY 12205

• 

  Mariner Finance

  1155 Washington Pike Suite 60 Bridgeville, PA 15017

• 

  Mariner Finance, LLC

  1900 Ridge Rd, Ste 108 Buffalo, NY 14224

• 

  Mariner Finance

  1380 Hanover Ave Allentown, PA 18109-2019

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:02/03/2023

  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.

  This company continues to mail me offers from its Chester Virginia office. I never did business with them. I do not want to do business with them. I've contacted them before and asked them to remove me off and contact list which they have failed to do I want them to cease and remove my information from their data base immediately.

  Business Response

  Date: 02/08/2023

  Thank you for contacting us.  Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.  Per Mr. ****'s request, Mariner has removed him from our contact list.  It is important to note that marketing offers are prepared up to 60 days in advance, so additional offers may be received during that time frame, however no new offers will be generated.  Mr. **** may also opt out of future offers of this type by visiting optoutprescreen.com

  For any additional questions regarding this matter, we ask that Mr. **** contact our Customer Relations Department at 844-338-2080.

  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,
  
  
  
  ******** ****

• Initial Complaint

  Date:01/25/2023

  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 I have an account with the company that has been in collection since 2020. I had a financial hardship due to COVID and now that I am trying to settled this account Mariner Finance is not willing to assist me in any way. The representative assisting me stated that since I only made a one payment since I opened my loan through them. I don't qualify for any assistance and that was their Policy. She even made a comment sarcastically that I opened my account during COVID .Yes I did opened it during COVID however I didn't know I was going to be affected right after the loan was opened and how much impact it was going to cause me. I'm not asking to forgive my entire owing balance I'm looking for assistance.

  Business Response

  Date: 01/26/2023

  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 August 17, 2020. The executed contract required One (1) payment of $444.27 followed by forty-one (41) payments of $333.58 with the fist payment due on October 1, 2020.
  
  
  
  Ms. ********* made the first account payment as contractually agreed, but failed to make any additional payments. A review of applicable records confirm multiple documented conversations regarding the debt in which Ms. ********* made promises to pay, however there is no mention of hardships due to Covid-19 until Ms. ********* contacted us on January 25, 2023 to discuss potential settlement options.
  
  
  
  We are willing to assist Ms. ********* with a monthly payment plan, however the full loan balance will need to paid. We ask that Ms. ********* contact Mariner's Recovery Department at ###-###-#### to discuss a monthly payment plan.
  
  
  
  Mariner Finance
  
  Customer Relations

  Customer Answer

  Date: 02/03/2023

  
  
  Complaint: 18935307
  
  
  
  I am rejecting this response because: I did contact you guys to let you guys know I had a hardship . Mariner Finance form the Whittier office in CA was aware when they were trying to collect from me and even calling me at work . I had to ask them to not call me at work that I was already stressed as is . They nicely stopped calling at work . I also contacted you guys months prior . How convenient now there’s no record of me calling or talking to any representative of my Hardship . My initial contact was not January 2023 all the representatives I have talked to prior to try and settle this debt state there’s no help for me . I found it discriminating and upsetting not only that I paid off loans with Mariner Finance in the past . It’s upsetting because I had a TRUE HARDSHIP DUE TO COVID . 
  
  
  
  Sincerely,
  
  
  
  ****** *********

  Business Response

  Date: 02/13/2023

  Thank you for the additional feedback. There are no COVID-19 relief options that would result in a portion of the debt being forgiven.  As previously advised, we are willing to assist Ms. ********* with a monthly payment plan, however the full loan balance will need to paid.  We ask
  that Ms. ********* contact Mariner's Recovery Department at ###-###-#### to
  discuss a monthly payment plan.  For any additional questions, our Customer Relations Department can be reached at ###-###-####.

  Mariner Finance

  Customer Relations

• Initial Complaint

  Date:01/19/2023

  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 recently came to find out that I had Id/Fraud against my SSN, I have filed a police report which is attached as well as placed a Freeze on my credit. I have contacted this company as well as all three credit agencies and was told that I had to dispute this HARD INQUIRIES from the company and not the Credit Agencies because they were done online or through a third party agency. I have contacted this company several times and also sent a copy of the of the report as well as a request to scrub these from my credit with no help from mariner Finance, please delete these inquires as they are not mine and my id was stolen. Date of Inquiry is 06/29/2022

  Business Response

  Date: 01/25/2023

  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  
  
  Per our review, Anthony ***** inquired about potential offers of credit with Mariner Finance, LLC ("Mariner") on June 29, 2022, through third party affiliate, Credit Karma. After having submitted the initial application information, Mr. Allen's application was denied due to the application expiring prior to being completed.
  
  
  
  Because Mr. Allen's application was denied prior to signing a loan agreement, only a soft credit inquiry was performed. Soft credit inquiries do not affect a consumer's credit and cannot be removed.
  
  
  
  For any additional questions regarding this inquiry, please contact our Customer Relations Department at ###-###-####.
  
  
  
  Mariner Finance
  
  Customer Relations

  Customer Answer

  Date: 01/25/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  
  I have applied for any offers through this Company identity and ssn was stolen.

  Business Response

  Date: 01/26/2023

  Thank you for the additional feedback. We understand that Mr. Allen maintains he did not inquire about loan offers with Mariner, However as previously stated, because the application was denied prior to signing a loan agreement, only a soft credit inquiry was performed. Soft credit inquiries do not affect a consumer's credit and cannot be removed.
  
  
  
  We have rejected the application and noted the profile for potential fraud. For any additional questions, please contact our Customer Relations Department at ###-###-####.

• Initial Complaint

  Date:01/19/2023

  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.

  mariner finance has reported a fraud account to my credit report . they sent a pre-aproved loan check to my physical adrs wich i do not use for mail , the post office only delivers to me to my p.o box and has so for the last 5plus years . someone cashed this pre aproved loan check and mariner fianance does not have copy of said endorsed and or paid check from my bank and or any financial institution showing where and when this check was cashed . under fdcp act they have failed to provide said proff of debt . spoke to manager mrs. ficher at the santa ana california branch and at this time i provided prof of adrs and a copy of my id. and she still was unable o provide prof of said debt or endorsed check she provided me copy of check wich is blank on the endorsement and confirmation of loan of the check .. no signature , no stamp .. just a blank non endorsed check . i have that copy .

  Business Response

  Date: 01/25/2023

  Thank you for contacting us. Mariner Finance, LLC, ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  
  
  Mr. ******* entered into an account with Mariner on July 6, 2022 by cashing or depositing a prescreened firm offer of credit that was mailed to him. On September 23, 2022, Mr. ******* advised Mariner that he did not execute the offer. The Mariner representative communicated the requirements for initiating a fraud claim to Mr. *******, which includes completing an FTC affidavit. Mr. ******* advised that he was not willing to fill out the required documents to proceed with the fraud claim. On September 29, 2022, Mr. ******* visited the servicing Mariner location and was provided a copy of the check per his request. Mr. ******* was again offered the required fraud documents to which he declined.
  
  
  
  Upon notification of potential fraud, the account in question was coded as having been disputed to keep it from negatively impacting Mr. *******'s credit. However, If Mr. ******* would like to pursue his claim of identity theft in relation to this account, he will need to initiate a fraud claim. In order to do so, he will need to complete the attached Federal Trade Commission "Identity Theft Victim's Complaint and Affidavit" and Bank of America Fraud Statement of Claimant , and return it along with a copy of his government issued identification and a filed police report if available, to the serving Mariner branch location or to Mariner Finance, 8211 Town Center Drive, Nottingham, MD 21236.
  
  
  
  For any additional questions regarding this matter, please contact Mariner's Customer Relations Department at ###-###-####.
  
  
  
  Mariner Finance
  
  Customer Relations
  
  
  See Attachment/File: Ignacio - BOA Affidavit_Redacted

  Customer Answer

  Date: 01/25/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  
  Mariner finance has in fact reported negative to my credit bureau and hasnfailed to provide proof thatbthe check was endorsed by signature and or bank stamp..

  Business Response

  Date: 01/26/2023

  Thank you for the additional feedback. As previously stated, Upon notification of potential fraud, the account in question was coded as a disputed account while the fraud investigation is pending. Once the investigation is complete, if it is found that the account was in fact opened fraudulently, Mariner will submit a request to the Nationwide Credit Reporting Agencies to delete the tradeline in question.
  
  
  
  A review of account records confirm Mr. ******* picked up a copy of the loan check on September 29, 2022. If Mr. ******* misplaced the check and would like to secure an additional copy, he may visit the serving branch location with a copy of his government issued ID.
  
  
  
  In order to initiate the fraud claim, Mr. ******* will need to complete the Federal Trade Commission "Identity Theft Victim's Complaint and Affidavit" and Bank of America Fraud Statement of Claimant provided to him, and return it along with a copy of his government issued identification and a filed police report if available, to the serving Mariner branch location or to Mariner Finance, 8211 Town Center Drive, Nottingham, MD 21236.
  
  
  
  For any additional questions regarding this matter, please contact Mariner's Customer Relations Department at 844-338-2080.
  
  
  
  Mariner Finance
  
  Customer Relations

• Initial Complaint

  Date:01/11/2023

  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, LLC and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If can't proof all 3 delete this account from credit report as soon as possible!n that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If can't proof all 3 delete this account from credit report as soon as possible!

  Business Response

  Date: 01/17/2023

  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer ******************** has thoroughly researched this account.
  
  ***************************** entered into the loan with Mariner on May 16, 2022. The executed contract requires 37 payments of $155.91 beginning on June 16, 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. Verification procedures also include review of a government issued ID.
  
  Because the account remains past due, Mariner has initiated legal action to collect the account.
  
  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. ****************** may visit her local Mariner branch with photo ID to receive a printed copy of the original loan document, or she may send a copy of her government issued Identification to Mariner Finance, *************************************************************************. We would like to remind ****************** that she already has online access to her loan documents and payment history through Mariner's *********************** as she has previously used this access to view her loan and payment information.
  
  For any additional questions regarding this matter, ****************** may contact Attorneys ****************************************** at *************.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:01/09/2023

  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.

  In May 2022, I took out a $10,000 loan to cover some unexpected expenses. I set this loan up on autopay with my secondary bank. In October 2022, I called my loan specialist/personal banker Bryan, to pay off this loan. For the 2nd time, & in about that many months, Bryan misguided me as to what I should do by telling me to refuse the autopay that was being drafted on or around the same day, since I was paying the loan off in full. Unbeknownst to me, until the end of Dec., I still had a balance of almost $500. When I called to ask why, Bryan said it was because I revoked the autopay, & threw in some other reasons for having such a high balance leftover. I told him that he is the one who told me to do so, but he refused to own his mistake, & continuously deflected the problem back on to me. He said he would explain what happened to his boss & call me back. About 2 hours later he called back & said there is nothing he can do. I told him I would be going higher up, because I refuse to be held responsible, & have to pay for some "agent error". He said I understand & hung up.
  Please help. Account# **************

  Business Response

  Date: 01/13/2023

  Mariner is in the process of investigating this complaint and will provide a response to Ms. ******* concerns by 1/18/23.
  
  
  
  Mariner Finance
  
  Customer Relations

  Business Response

  Date: 01/18/2023

  Thank you for contacting us. Mariner Finance, LLc ("Mariner) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this account. ***** ***** entered into the loan with Mariner on May 27, 2022. The executed contract requires forty-eight (48) payments of $298.91 beginning on June 27, 2022.
  
  
  
  On October 11, 2022, Ms. ***** was provided a payoff quote for October 13, 2022. During the call, Ms. ***** was advised to immediately discontinue her recurring payment scheduled for October 27, 2022. On October 27, Ms. ***** called in and paid an amount of $9362.05 to pay off the account. At the time the payment was made, Ms. ******* scheduled payment of $298.91 had still not been canceled, and had already been applied to her account prior to Ms. ***** paying off that morning. On November 2, 2022, Mariner was notified that Ms. ***** had revoked her payment of $298.91 leaving a remaining balance which continues to accrue interest.
  
  
  
  As a one-time courtesy to our customer, Mariner has agreed to waive the accrued interest and accept the amount of $298.91 to close the account. We ask that Ms. ***** submit her payment by February 10, 2023.
  
  
  
  For any additional questions regarding this matter, Ms. ***** may contact our Customer Relations department at ###-###-####.
  
  
  
  Mariner Finance
  
  Customer Relations

  Customer Answer

  Date: 01/20/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  
  This is incorrect! I have no reason to fabricate any sort of truths. I did EXACTLY what I was told to do, when I was told to do it. Why would I not cancel a payment when that would SAVE me money?! Why would Bryan tell me that I owe these charges because I revoked my scheduled payment?! I took care of Mariner, now I expect Mariner to do the same & take care of me! The mistake is on Mariner's side, not mine.
  
  & just fyi... I have recorded all calls as well on my end if Mariner really wants to go there.
  
  Misguided or not, I did what was asked of me. I took the initiative to make the calls & requests, & payments.
  
  Mariner, I ask of you one last time, please waive the $298.91 as well, & close this account so that we can put it everything to rest.
  
  BBB, should Mariner deny my request again, I will request BBB move this case to arbitration.
  
  Thank you.

  Business Response

  Date: 02/17/2023

  Thank you for the additional feedback.. As previously stated, Ms. ***** owes a balance of $298.91. Mariner has agreed to waive the associated interest that continues to accrue, and collect the final balance of $298.91 to close the account.  The local Assistant Vice President for the handling region called Ms. ***** on January 31, 2023 to review the account and total payments made, but was unable to reach her.  If Ms. ***** would like to discuss this matter in further detail, she may return our call at her earliest convenience.  If Ms. ***** would like to make a payment, she may contact her servicing branch location.  

  Mariner Finance

  Customer Relations

  Business Response

  Date: 02/23/2023

  Thank you for the additional feedback.. As previously stated, Ms. ***** owes a balance of $298.91. Mariner has agreed to waive the associated interest that continues to accrue, and collect the final balance of $298.91 to close the account.  The local Assistant Vice President for the handling region called Ms. ***** on January 31, 2023 to review the account and total payments made, but was unable to reach her.  If Ms. ***** would like to discuss this matter in further detail, she may return our call at her earliest convenience.  If Ms. ***** would like to make a payment, she may contact her servicing branch location.  

  Mariner Finance
  Customer Relations

  Customer Answer

  Date: 03/01/2023

  
  
  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:01/05/2023

  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.

  1.I have never had an account with this company MARINER FINANCE, REMOVE from all credit agencies from reporting. 2."consumer" means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code ****a (3) 3.This letter is in pursuing 15 U.S. Code ****c (c) Ceasing communication 4.I am the "consumer" mentioned in 15 U.S. code ****a (3) You are MARINER FINANCE the debt collector ***************** (5) I am invoking specified remedies under use 15 U.S. code ****c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code ****c (c) (1) 5.I am the executor under the 15 U.S. Code ****c (d) pursing to 15 U.S. Code ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code 1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. **** U.S. Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ***** U.S. Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- (1) (2) (A) (B) (3)

  Business Response

  Date: 01/13/2023

  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer ******************** has thoroughly researched this complaint.
  
  ****************** entered into the loan with Mariner on September 21, 2015. The executed contract requires one (1) payment of $65.93 followed by twenty-three (23) payments of $58.20 with the first payment due on November 2, 2015.
  
  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. Verification procedures also include review of a government issued ID. Because the account remains past due for the May 2, 2017 contractual payment obligation, it is classified a charged-off account which remains legally collectable. On August 29, 2018, the defaulted account was sold to ***** ***************************** ("*****").
  
  In an effort to protect our customer's sensitive or ************************ identifiable information, we must first confirm identity before releasing loan documents. **************** may visit his local Mariner branch to provide government issued identification and obtain a copy of the loan documents, or provide a copy of your government issued identification to Mariner Finance, ******************************************************************* 21236.
  
  Based on our review, the information being furnished by Mariner to the nationwide Credit ****************** regarding this account is accurate. For any additional questions regarding this account or to make a payment, **************** may contact ***** at ************.
  
  Mariner Finance
  Customer Relations
  

• Initial Complaint

  Date:12/27/2022

  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 opened an account with this company by accident and never received any account information on where to pay or anything I went to there office in ******* ** to start payment and was told I can no longer pay them and they threatened to send police to my house to take ally belongings. This was almost 8 years ago . Now some law office has it and refuses to also take payments that I agree to . I would be more then happy to make payments on it but they all refuse and they don't even send it to my credit reporting . I have been miss treated by both company's that are dealing with this . I also have filed a bbb complaint before with no answer to anything .Thank you for your time,*****

  Business Response

  Date: 01/06/2023

  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer ******************** has thoroughly researched this account.
  
  A prescreened 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 with Mariner.
  
  Mariner received notice that ************************** executed the offer on September 6, 2017. Upon execution of the offer, Mariner attempted to conduct a welcome call to go over the loan terms with **************************, and mailed a welcome letter detailing the terms of loan and providing available options for submitting payments. A review of applicable records confirm ************************** also spoke with his servicing Mariner location on October 12, 2017 and this information was provided to him.
  
  Because **************************' account was consistently past due for the contractual payment obligation and no payment arrangement had been achieved, Mariner initiated legal action to collect the account. A judgment was awarded in favor of Mariner in the amount of $4,894.70 on June 4, 2018. ************************** agreed to pay an amount of $150 bi-weekly to the handling attorney until the judgment is satisfied. Per the handling attorney, they spoke with ************************** on December 27, **************************************************************************************** default of his payment plan and offered an amicable resolution. ************************** made a counter offer that was not accepted by the attorney.
  
  ************************** previously requested no further contact with Mariner and stated he would settle his account with the handling attorney. Mariner has no record of having received any prior BBB complaint regarding this matter and respond to all complaints received as required.
  
  Should ************************** have additional questions regarding the account, he may contact our Customer ******************** at ************. To make a payment or to discuss an appropriate payment arrangement, ************************** will need to contact ******************* LLC at ************.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/23/2022

  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 had a loan with Mariner Finance. I had lost my job and was not able to make my payments on time. They told me I had until a certain date to make a partial payment or my loan would be sent to collections. I made the payment and every payment afterwards until the loan was paid off in November 2021. This closed account is reporting as a collection on my credit report. I have tried to reach out to the branch that my loan came from to no avail. I have also sent in two certified letters with no response. This collection reporting needs to be removed from all three of the major credit bureaus as it is inaccurate information.

  Business Response

  Date: 01/04/2023

  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer ******************** has thoroughly researched this account.
  
  ************ entered into the loan with Mariner on May 21, 2018. The executed contract required forty-eight (48) payments of $190.61 beginning on June 21, 2018.
  
  Because the account was past due for the April 21, 2019 contractual payment obligation and no payment arrangement had been achieved, Mariner initiated legal action to collect the account on June 4, 2019. ************ contacted her servicing branch location on July 5, 2019 and made payment arrangements to avoid a court judgment. The account was paid in full on November 19, 2021.
  
  ************ has submitted multiple automated credit disputes related to her loan, all of which have been investigated and responded to as accurate. Records also confirm ************ spoke with the Branch Manager for her servicing location on July 28, 2020 and was advised that the account will continue to report as a collection account.
  
  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 nationwide Credit ****************** ("CRA") on a monthly basis, and each CRA has its own internal policies that determine how the information is displayed in the credit report.
  
  Based on our review, the information furnished by Mariner - including that the account is a paid collection account, is accurate.
  
  Should ************ have additional questions regarding this matter, she may contact our Customer ******************** at ************.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/23/2022

  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 called to pay off my personal loan since it would not take my debit card payment online. The customer service rep. said that they cannot process any more then $750 per day plus charge me $2.50 in processing fees. I was wanting to pay $3130.38 but she proposed that i could pay $750plus fee per day until my loan was paid off. I said this is unacceptable. I have never heard of a restriction like this since my pay off balance would change each day!! This is 2022...the fact that this loan company cannot accomodate this for their customers is absurd. Furthermore, it appears as more of an attempt to not allow customers to pay off their balances prior to their full materity date in an effort to collect more interest and fee payments!!

  Business Response

  Date: 01/11/2023

  Business Response /* (1000, 5, 2023/01/04) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Ms. ********* entered into the loan with Mariner on June 7, 2022. The executed contract required One (1) payment of $157.22 and Thirty-five (35) payments of $136.72 beginning on July 15, 2022, and an original maturity date of June 15, 2025.
  
  At the time an account is opened, Mariner provides customers with information on all of the options available for making loan payments and viewing account information. Payments are accepted via debit card, however payments can also be made without limitation and with no convenience fee via ACH, cash, and money order. Payments are accepted by mail, in-person, by phone, or through Mariner's online Customer Account Center ("CAC") to make it as convenient as possible. Customers can also submit payments in the amount of their choosing using their financial institutions Bill-Pay feature.
  
  Ms. ********* spoke with her servicing branch location on December 23, 2022 and made an ACH payment in the amount of $3,130.38, which paid the loan in full.
  
  For any additional questions regarding this matter, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2023/01/06) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I called the main branch and the corporate branch. I was forced to pay by ACH which takes days to withdraw from my account compared to a debit card transaction. They said other then an ACH my only option was to call everyday and charge my debit card $700 at a time with a convince until my balance was paid off. Which gives them time to collect fees and interest on the balance. I should not have to provide my checking account information to pay a bill. My debit card should have been sufficient with one transaction. The option to pay by check or money order will still take days for them to receive which still charges interest on my account ans effects the pay off balance. Which in turn creates more ways for them to make more money off me. It is unheard of that a loan company or business in any trade can only accept payments of $700 increments per day by debit card. A loan company is not a ATM. I was not withdrawing funds, but trying to pay. This is absurd.
  
  
  Business Response /* (4000, 9, 2023/01/09) */
  Thank you for the additional feedback.
  
  As previously advised, At the time an account is opened, Mariner provides customers with information on all of the options available for making loan payments and viewing account information. Payments are accepted via debit card, however payments can also be made without limitation and with no convenience fee via ACH, cash, and money order. Payments are accepted by mail, in-person, by phone, or through Mariner's online Customer Account Center ("CAC") to make it as convenient as possible. Customers can also submit payments in the amount of their choosing using their financial institutions Bill-Pay feature.
  
  Mariner disputes the claim that we limit payment options to charge additional fees and interest, since customer's have multiple ways to make payments without transaction limitations or service fees.
  
  For any additional question regarding this matter or questions about available payment options, please.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (4200, 11, 2023/01/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Again, Mariner finance refuses to address the limitations they have set forward. I do not own checks, my financial institution does not offer this "bill pay" Mariner finance assumes all banks provide.. Just as I assumed they would be able to process my debit card for the full balance without having to incur additional fees and interest. I do not want to provide my checking and routing number for security reasons and mailing a payment of any is not efficient for 2023. Nor the institutions promise that they would accept such a form of payment with its post date and retract any fees or interest that could possibly be incurred. Since i work 1 hour away from any "branch" i would not be able to pay in person. Nor is my bank a local institution therefore, there are ATM withdrawal limits in place per day.
  
  In conclusion, why does Mariner finance refuse to make a reasonable accommodation to satisfy the needs of their customers. When i know of 7 different personal loan agencies that do not have payment limits on debit cards?
  
  Mariner claims are biased that everyone has "bill pay", checks, or unrestricted means to withdraw cash to pay in person. Nor have they addressed that indeed if i had to chose to pay every day $700, and incur the processing fee by the payment processor that they would not, incur any additional interest per day on my remaining balance until i could pay it in full using the "once a day debit card method" just as they will not address interest incurred on post dated checks or lates fees if the mail arrived late.
  
  So please address how you are not intentionally trying to accrue additional interest income?
  
  
  Business Response /* (4000, 13, 2023/01/11) */
  Thank you for the additional feedback. We apologize that Ms. ********* is unsatisfied with the payment options available. Should she wish to discuss her concerns in further detail, she may contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations