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

  604 Moraine Point Plaza Butler, PA 16001

• 

  Mariner Finance

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

• 

  Mariner Finance

  1409 Lincoln Hwy Ste 18 Levittown, PA 19056-1137

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:12/21/2022

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
  
  15 U.S.C 1681 section 602 A. States i have rights to privacy.
  
  15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency can not furnish a account without my written instructions.
  
  In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.
  
  Please remove this or legal action will be taken place
  

  Business Response

  Date: 01/16/2023

  Business Response /* (1000, 5, 2022/12/22) */
  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 Harrison Finance Company ("HFC") on July 7, 2016, with the contract later being purchased by Mariner Finance, LLC ("Mariner"). The executed contract required eighteen (18) payments of $83.00 beginning on August 7, 2016.
  
  Because the account remains past due for the March 7, 2018 contractual payment obligation, it is classified as a collection account, which remains legally collectable.
  
  Regarding Ms. ******'s allegation that Mariner violated the Fair Credit Reporting Act - Ms. ****** received and signed a disclosure regarding credit reporting in the Privacy Notice that was provided at the time her loan was originated (see attached). To further clarify, credit reporting is clearly identified as a type of sharing that cannot be limited by a consumer.
  
  For any additional questions regarding this matter, Ms. ****** may contact our Customer Relations Department at XXX-XXX-XXXX. If she would like to make a payment on the account, she may contact our Recovery Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/19/2022

  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 received a notice that I have a collection from MARINR FINC on my credit report. It says it was opened on 06/01/2019 for $0 with account number starting in XXXXX**** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 01/18/2023

  Business Response /* (1000, 5, 2022/12/22) */
  ****** ******* entered into the loan with Mariner Finance, LLC ("Mariner") on June 6, 2019 as a co-owner. The executed contract required twenty-four (24) payments of $181.56 beginning on July 6, 2019.
  
  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, several ACH payments were made on the account by phone with the servicing branch location, which are recorded for quality assurance purposes.
  
  Because the account remained past due for the October 6, 2019 contractual payment obligation, and all attempts to contact the borrowers having failed, Mariner initiated legal action to collect the account on December 17, 2019.
  
  Ms. ******* contacted Mariner on December 27, 2019 and made arrangements to bring the account current. The account was paid in full on April 5, 2021. Paid in full documents were mailed to the address on file, which matches the address provided within this complaint, on April 15, 2021.
  
  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 paid collection account- is accurate.
  
  If Ms. ******* would like to pursue a claim of identity theft in relation to her account, she will need to initiate a fraud claim. In order to do so, she will need to complete the attached Federal Trade Commission "Identity Theft Victim's Complaint and Affidavit" and return it, along with a copy of her government issued identification and a filed police report, to ******* ******** **** Town Center Drive, *********** ** XXXXX.
  
  For any additional questions regarding this matter, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/15/2022

  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.

  This company relies on individual branches for their business. If you get stuck with a bad one, you are in trouble. Jose runs the worst location every in Gilbert, AZ. Anytime I have issues or questions, I call and get told someone will call me back. No one ever calls me back from this branch. EVER. When I've gone to the branch to talk to someone, I am told it is by appointment only, but they do not allow you to make an appointment over the phone if you already are a customer. Only new customers can request an appointment.
  
  I have requested to transfer my loan to a different branch. This is apparently impossible within the Mariner system.
  
  This company needs to have a corporate support number you can call and talk to someone at.

  Business Response

  Date: 01/11/2023

  Business Response /* (1000, 5, 2022/12/21) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Our goal each day is to provide superior customer service, and we are sorry to hear your experience has not lived up to that expectation. While a review of Mr. ***'s account indicates he has had recent contact with his servicing branch location, our Customer Relations team is happy to assist in the event Mr. *** is unable to reach his local branch or has questions regarding his account. Customer Relations is available Monday-Friday 8:30am-5:00pm EST, with extended hours through 7pm on Tuesdays.
  
  Although Mr. ***'s current contract cannot be transferred to a different branch location, he is welcome to communicate with a branch of his choosing regarding his account should that be his preference, however his loan will remain with the current servicing branch location. Mr. *** is able to make an in person appointment with his servicing branch should the need arise, which we confirmed with the local Branch Manager.
  
  For any additional questions, we encourage Mr. *** to contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/12/22) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I expressed concerns to do the branch manager when he called me yesterday. Until these concerns are addressed I do not accept this response.
  
  
  Business Response /* (4000, 9, 2023/01/03) */
  Thank you for the additional feedback. Based on our review, Mr. *** has spoken with both the Branch Manager and the regional Assistant Vice President regarding his concerns, and no additional action is pending. If Mr. *** has additional concerns he would like to discuss, we ask that he contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (4200, 11, 2023/01/06) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have not spoken to anyone at that high of a level. I did share my concern with someone who called himself the branch manager I provided screenshots with discrepancies between what the app is showing me for my last application and what they show in the branch. This has not been resolved and my requests for updates via email have been ignored. My loan application from 11/28 is still showing as pending call branch. I believe this branch is so backed up that they simply told me they didn't approve my application versus running it.
  
  
  Business Response /* (4000, 13, 2023/01/09) */
  Thank you for the additional feedback.
  
  Mr. *** has spoken with Mariner regarding the status of his recent application and was advised of the loan decision. In addition, an adverse action notice was mailed to Mr. *** on December 13, 2022
  
  The local branch manager attempted to contact Mr. *** upon receipt of this additional communication to discuss any additional concerns. We would like to advise that it is against Mariner's policy to discuss specific account information via email.
  
  If Mr. *** has additional questions or concerns after speaking with his local branch, we ask that he contact our Customer Relations Department at XXX-XXX-XXXX so that we may assist.
  
  
  Consumer Response /* (4200, 15, 2023/01/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  He has yet to call me back after I presented the issue with the app. My app there is still pending. Why won't you listen to what I'm saying you ************?

• Initial Complaint

  Date:12/13/2022

  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.

  This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.
  
  15 U.S. Code § 1681b REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
  I DEMAND you to verify all these challenges and allegations and if cannot, under the FCRA, unverifiable accounts MUST be removed.

  Business Response

  Date: 01/05/2023

  Business Response /* (1000, 5, 2022/12/19) */
  Thank you for bringing this matter to our attention. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has researched this complaint.
  
  ******* ****** *** entered into the loan with Mariner on August 7, 2018. The executed contract required thirty-nine (39) payments of $96.22 beginning on September 7, 2018. Mr. ****** acknowledged the debt by including it in documents filed in federal bankruptcy court. The debt was discharged on January 20, 2021.
  
  Based on our review, the information being furnished by Mariner to the nationwide Credit Reporting Agencies ("CRA") is accurate. Mr. ****** has submitted several automated credit disputes regarding the reporting of the account, all of which have been investigated and responded to as accurately reporting.
  
  For any additional questions, Mr. ****** may contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/09/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I divorced my husband, signed decree on August 2, 2022. The judge presiding over this case granted me the right to return to my maiden name, ************ ******** from ************ * ****** I have tried on 2 occassions to have my name changed on my account with Mariner and they refuse to do so. I am not responsible for debts in the name of ************ * ***** as that person no longer exists and I no longer have that name.

  Business Response

  Date: 01/05/2023

  Business Response /* (1000, 5, 2022/12/19) */
  Thank you for contacting us with your concerns. Mariner Finance, LLC, ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Ms. Davis contacted Mariner regarding her request to change her name on the account and was advised that due to the contract being a legal document, we are unable to alter or change the name while the account remains open.
  
  For any additional questions regarding this matter, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/08/2022

  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 received a notice that I have a collection from MARINR FINC on my credit report. It says it was opened on 06/30/2020 for $0 with account number starting in XXXXXXXX**** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 01/02/2023

  Business Response /* (1000, 5, 2022/12/13) */
  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 the loan with Mariner Finance North Carolina, Inc. on June 30, 2020. The executed contract requires thirty-six (36) payments of $271.53 beginning on July 31, 2020.
  
  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. These documents are retained with the loan file.
  
  In addition, several account payments were made via recurring payment from Mr. ******'s bank account, with additional payments made via debit card transaction by phone, which are recorded for quality assurance purposes.
  
  On September 9, 2022, the defaulted account was sold to Brightwater Capital, LLC. Based on our review account, the information provided by Mariner to the nationwide credit reporting agencies is accurate. Mariner will respond appropriately to any additional disputes received, as required by law.
  
  For any additional questions regarding this account, or to make a payment, we encourage Mr. ****** to contact Brightwater Capital at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/06/2022

  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 am not liable for this debt with
  MARINR FINC 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!

  Business Response

  Date: 12/28/2022

  Business Response /* (1000, 5, 2022/12/08) */
  Thank you for bringing this matter to our attention. We take customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  ****** ******* entered into the loan agreement with Personal Finance Company ("PFC") as a co-borrower on July 10, 2019, by refinancing his existing loan and advancing additional funds as evidenced by the signed contract. 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 186.31, with the first payment due on August 20, 2019.
  
  As part of the loan opening procedures, specific information including the applicant's name, date of birth, address and identification number are required and verified. Verification procedures also include a review of government issued ID and employment information. In addition, the mailing address and email address provided by Mr. ******* on his original loan application matches the information provided within the CFPB complaint.
  
  Because the account was past due for the September 20, 2020 contractual payment obligation with no payment arrangements in place, and all attempts to contact the account holders having failed, Mariner initiated legal action to collect the account on December 28, 2020. A judgment was awarded in favor of PFC, N/K/A Mariner on June 21, 2022. Mariner has received three payments through Heavner, Beyers & Mihlar, LLC since the date of judgment.
  
  Mr. ******* has submitted multiple prior CFPB complaints regarding this account, including one as recent as November 21, 2022 in which we provided Mr. ******* with the requested account validation documents. Mr. ******* has also submitted multiple automated credit disputes claiming inaccurate information. Mariner has thoroughly investigated and responded to each dispute received as required by law. We consider this matter resolved.
  
  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 is accurate.
  
  For any additional questions, Mr. ******* may contact our Customer Relations Department at XXX-XXX-XXXX.

• Initial Complaint

  Date:12/06/2022

  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.

  In March of this year, I got locked out of my own account and tried to reset my password *** could not, so I called Mariner as instructed but was told to leave a message and that someone would get back to me, months have went by and no one has returned my calls, I have been calling on and off till 11/18/2022 when I once again made a phone payment and was told that all I owed on my account was $38.00, which was wrong and I was told when I finally got to talk to someone on 12/1/22, so because I have not been able to see my balance or access my account my payments are not where they should be. Also I was instructed that my online account had to be reset so on the 11/18/22 I told the person, who didn't give me the correct info on my account that I had been locked out of online access that no one has gotten back to me about my problem and she then told me that she was able to reset my account which was a lie and I am still unable to access my account. After my talk with a company rep on the 1st a person by the name of Thomas left me a message but when I returned the call, I could not get through.

  Business Response

  Date: 01/02/2023

  Business Response /* (1000, 5, 2022/12/12) */
  Thank you for contacting us with your concerns. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Mr. ******* entered into the loan with Mariner on January 19, 2021. The executed contract required thirty-six (36) payments of $116.28 beginning on February 19, 2021, with an original maturity date of January 19, 2024.
  
  On November XX XXXX, Mr. ******* contacted his serving branch location and was provided a quote of $31.88 to satisfy his November 2022 contractual payment obligation. A payoff quote was not provided during that conversation.
  
  Our Customer Relations Manager attempted to contact Mr. ******* on December 12, 2022, to assist in unlocking his online account and left a message. We ask that Mr. ******* contact our Customer Relations Department at his earliest convenience at XXX-XXX-XXXX so that we may assist him. We apologize for any inconvenience and appreciate the opportunity to address our customer's concern.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:12/02/2022

  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 received a call from Mariner Finance over six months ago informing me that I had a payment due on a loan I did not take out. The staff did not believe that I didn't take out the loan and even blamed me for not monitoring my credit report better. Turns out they mail out checks which, once cashed, open a loan. Basically, they outsource their loan processing to untrained bank tellers. Someone got that correspondence from Mariner which was intended for me and was able to cash the check.
  
  I filed a police report and the only time I get information on this is when I call the local office in North Carolina. They claim to be waiting on the bank to respond to their inquiry but don't adequately answer whether or not they have to prove that I did not take the loan out. Clearly, a normal loan application process would make the simple as they would have signatures of mine on multiple legal forms along with copies of identifying documents which I would provide. The only document available is the copy of a check with a forged signature.

  Business Response

  Date: 01/05/2023

  Business Response /* (1000, 5, 2022/12/09) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this account.
  
  After review, the fraud claim for Mr. ****** is still pending. We are waiting on information from the bank of first deposit before the investigation can be completed.
  
  Upon acknowledgment of potential fraud, Mariner immediately coded the account as such, which is preventing it from affecting Ms. ******'s credit rating. When the investigation is complete, Mr. ****** will be contacted by Mariner with results of the investigation.
  
  We appreciate Mr. ******'s patience during this time. For any additional questions regarding this matter, please contact our Customer Relations Department at XXX-XXX-XXXX
  
  
  Consumer Response /* (3000, 7, 2022/12/13) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  It's not that I don't accept the response, but I do feel like, considering the loan processing was outsourced to a bank teller, I need a better understanding of the process. The local employees have not been helpful. In fact, they told me it was my fault for not monitoring my credit report better. I feel Mariner needs to prove that I cashed that check, which I didn't. A normal loan would have numerous ways of proving I took the loan out. Outside of a video at the bank, I don't understand how the bank knows who came in. Please let me know how you decide who cashed that check. How do you prove it was cashed by me, rather than a bank teller incorrectly cashing a check, which is what happened here. The slow speed of this process, and lack of empathy from staff makes me concerned about the decision-making process.
  
  
  Business Response /* (4000, 9, 2022/12/16) */
  Thank you for the additional inquiry. Customer identification is required by the bank when cashing or depositing a loan by mail offer. With the claim documents having been submitted by Mr. ******, Mariner is working to get information from both Bank of America and the Greensboro Police Department and have been in contact with both recently. As previously noted, the account in question has been coded as having been disputed to keep it from negatively impacting the customer's credit. In additions, due to the delay of receiving information from both the police department and Bank of America, Mariner is submitting a request to suppress the trade line pending the conclusion of the investigation. In the event Mr. ****** has additional questions, we again encourage him to contact our Customer Relations Department at XXX-XXX-XXXX.

• Initial Complaint

  Date:12/02/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company continues to harass associates of mine with a completely different last name other than mine. I have the recorded messages that can be proven. It is against the law tone calling friends or family I told this supervisor that if they continue to call an 87 year old woman that just lost her husband I will find an attorney. Just because my phone is registered under wainwright does NOT mean I'm a wainwright!!!! My last name is *********.

  Business Response

  Date: 12/29/2022

  Business Response /* (1000, 5, 2022/12/07) */
  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 a loan with Mariner on March 23, 2021 with payments scheduled to begin on May 3, 2021. Because Ms. ********* only made one loan payment, the defaulted account was sold to Brightwater Capital, LLC on September 9, 2022.
  
  Based on our review, Mariner has not attempted to contact Ms. ********* regarding this loan since June of 2022 and have never attempted to contact her associates or personal references regarding this debt. In addition, this account was flagged for no contact prior to the receipt of this complaint. Mariner complies with all FDCPA policies as required by law. If Ms. ********* has additional information to provide regarding her claim, we ask that she contact our Customer Relations Department at XXX-XXX-XXXX.
  
  For any additional questions regarding this loan, or to make a payment, we encourage Ms. ********* to contact Bright Water Capital, LLC at XXX-XXX-XXXX or mail correspondence to **** Concourse Parkway South Suite *** ********* ** XXXXX.
  
  Mariner Finance
  Customer Relations