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

  2742 Plank Road Altoona, PA 16652

• 

  Mariner Finance

  604 Moraine Point Plaza Butler, PA 16001

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:11/13/2022

  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.

  November 07, 2022 $291.82 drafted, and had to be applied to another account or taken, because of them saying they don't see it. Plainly theft. The bank paid it. Mariner claims it's pending and wasn't paid to them. I was unsuccessful stopping it. I will let the bank handel it now. It is theft. What is a complete bank statement needed for when this should not have been created. The regular payment was drafted as well. My statement is none of their business. Nothing is pending. It was taken, and isn't showing because of theft. Plain and simple.

  Business Response

  Date: 12/07/2022

  Business Response /* (1000, 5, 2022/11/18) */
  Thank you bringing this matter to our attention. Mariner Finance, LLC takes Customer concerns seriously, and our Customer Relations Department has thoroughly researched this account.
  
  Based on our review, a new Mariner customer made an error when providing their banking information when setting up their account payment. We have adjusted the account information provided by the customer to prevent any further issues.
  
  Mr. ******* should have already had his funds returned by his financial institution, as the funds have been pulled from Mariner. If Mr. *******' funds have not been returned, he will need to file a dispute with his bank. Our Customer Relations Manager called Mr. ******* to discuss in further detail. Should Mr. ******* have additional questions, we ask that he contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (2000, 8, 2022/11/19) */
  My bank resolved the situation, returning the money. However, the first initial call wasn't with understanding from their associate there. She wasn't so pleasant.

• Initial Complaint

  Date:11/12/2022

  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 made arrangement with Mariner to make some sort of payment with them due to my financial difficulties and it was agreed that a payment will be made as of Nov 17th of $250 and another payment on December 17th of $517 which I told Mariner Finance I would try to pay. Mariner Finance has been calling my phone every hour on the hour (DAN) threatning me and harassing me saying things like they are going to sue me and take my car away from me. I have tried to work with Mariner during my time of financial difficulty and is now distressed because of the harassment from Mariner. I would like this company to be dealth with on how to communicate with customers.

  Business Response

  Date: 12/16/2022

  Business Response /* (1000, 5, 2022/11/16) */
  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 account with Mariner on February 17, 2022. The executed contract requires forty-eight (48) payments of $517.56 beginning on March 17, 2022. The account is currently past due for the October 17, 2022 contractual payment obligation.
  
  Based on our review, the payment arrangement Ms. ******* referenced within this complaint was scheduled for November 4, 2022. Ms. ******* failed to keep the agreed upon arrangement, so Mariner made reasonable attempts to contact Ms. ******* in regards to the account status. A review of applicable records indicates no collection activity in violation of any applicable law or regulation, however we have honored Ms. ******* request to no longer be contacted by Mariner. In the event Ms. ******* would like to rescind her request, she will need to do so in writing.
  
  Regarding Ms. Rodger's allegations of harassment and threats, Mariner respectfully disputes these claims. These allegations were investigated, and no evidence was uncovered that would support this claim. Furthermore, Mariner maintains policies and procedures prohibiting such conduct, and employees are thoroughly trained on these requirements. We do however, want to ensure the customer understands how failing to address a delinquent account could potentially affect them.
  
  For any additional questions, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:11/12/2022

  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've been making weekly payments to get me current due to my loss of income. Even though I am current, and my account isn't closed out they pursuing to sue me in civil claims court for the full amount.

  Business Response

  Date: 12/19/2022

  Business Response /* (1000, 5, 2022/11/16) */
  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 November 4, 2021. The executed contract requires thirty (30) payments of $143.93 beginning on December 4, 2021.
  
  Mr. White contacted his servicing branch on May 26, 2022 and advised that he was transitioning to a new job and would need to set up a payment arrangement. Mr. White stated he would contact Mariner within 2-3 weeks to set up a payment arrangement. Mr. White failed to follow up with his local branch and made no account payments between May 2022 and July 5, 2022. Mariner made reasonable attempts to contact Mr. White regarding the account status.
  
  With the account past due for the August 4, 2022 contractual payment obligation, and all attempts to contact Mr. White having failed, Mariner initiated legal action to collect the account on October 20, 2022. The account is currently past due for the September 4, October 4, and November 4, 2022 contractual payment obligations.
  
  We encourage Mr. White to contact his local branch to review his account and discuss requirements to potentially avoid moving further in the collection process. Mr. White may also contact handling attorney Randolph Waltzer & Associates at XXX-XXX-XXXX with any questions.
  
  Mariner Finance
  Customer Relations
  XXX-XXX-XXXX
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/11/21) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  No, that is absolutely false and I have account proof that I'm not 3 months behind. I don't pay through the portal and I make check payments by the week.
  
  
  Business Response /* (4000, 9, 2022/11/22) */
  Thank you for the additional feedback. As of November 22, 2022, Mr. *****'s account remains past due for the September 4, October 4, and November 4, contractual payment obligation. Mariner is receiving Mr. *****'s weekly payments, however due to no payments being made on the account in the months of May, June, and July, the account remains behind.
  
  Mr. ***** has around the clock access to review his account balance and payment history and confirm his account status by logging in to his online account, or he may contact our Customer Relations Department at XXX-XXX-XXXX.
  
  As previously advised, We encourage Mr. ***** to contact his local branch as soon as possible to review his account and discuss requirements to potentially avoid moving further in the collection process. Mr. ***** may also contact handling attorney Randolph Waltzer & Associates at XXX-XXX-XXXX with any questions.

• Initial Complaint

  Date:11/10/2022

  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 writing due to a number of actions that Mariner has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to.
  They failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus: another FCRA violation. They also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me that you are reporting me to the credit bureaus within 30 days of sending my account to collections. Not only have they ignored my prior requests for validation of debt letter will again request that you follow the FDCPA and please provide the following:
  Validation of Debt Request
  -Proof that you can collect on a debt in my state
  -Proof of the date the account went into delinquency
  -Your Bond (if required) in the event I need to seek counsel
  -Proof of your right to own/collect this alleged debt
  Also, In accordance with the Fair Credit Reporting act. This company has also 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 the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions
  
  15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
  
  15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
  *** All they do is keep sending me emails which they have received by reaching out to them which was not provided to them.

  Business Response

  Date: 12/19/2022

  Business Response /* (1000, 5, 2022/11/17) */
  Thank you for contacting us. Mariner Finance takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  ***** ****** entered into the loan with Pioneer Credit Company ("Pioneer") on June 2, 2011. Pioneer later rebranded to Mariner Finance, LLC ("Mariner") The executed contract required twelve (12) payments of $85.00 beginning on July 15, 2011.
  
  The debt was discharged in a chapter 13 bankruptcy filing on July 6, 2018. Based on our review, Mariner is not currently reporting credit experience information in relation to this account. Ms. ****** submitted multiple automated fraud and credit disputes between July 2017 and July 2018, all of which were investigated and responded to as reporting correctly.
  
  If Ms. ****** has additional questions, we ask that she contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/11/21) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  According to emails I've receiving to contact them and far as fraud I do know this was discharged why I don't understand why I'm still being contacted by this business at all my bankruptcy was 10 years ago
  
  
  Business Response /* (4000, 9, 2022/11/22) */
  Thank you for the additional feedback.
  
  We have determined that the referenced account is no longer collectable and that any recent communications were sent to Ms. ****** in error. We have updated our records accordingly to prevent any further communication. In addition, as previously advised, we have confirmed that information regarding this account is no longer being furnished to the nationwide credit reporting agencies.
  
  For any additional questions regarding this matter, or if Ms. ****** has knowledge of a reference to this account on her credit report different from what is noted above, we ask that she contact our Customer Relations Department at XXX-XXX-XXXX so that we may provide further assistance.

• Initial Complaint

  Date:11/09/2022

  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 am behind on a load with them and they called my mother who is not on the account and proceeded to give her my social security number without actually verifying it was my mother. And even if they verified it was my mother that's is illegal and breaks the privacy act.

  Business Response

  Date: 12/19/2022

  Business Response /* (1000, 5, 2022/11/18) */
  Thank you for contacting us with your concerns. Mariner Finance, LLC ("Mariner") takes Customer Concern seriously, and our Customer Relations Department has thoroughly researched this account.
  
  Mariner's attempts to contact Mr. *** were in an effort to discuss the account status at the time. Regarding Mr. ***'s concerns that Mariner provided his personal information to a third party, This allegation was investigated, and no evidence was uncovered that would support this claim. Furthermore, Mariner maintains policies and procedures prohibiting such conduct and employees are thoroughly trained on these requirements.
  
  For any additional questions, we ask that Mr. *** contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:11/09/2022

  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 have requested a change of due date multiple times. Every single month I am charged a late fee and have to deal with the rudest customer service reps calling me over and over in spite of them charging me a late fee. I am requesting a refund of all the paid late fees and a change of due date to before the 5th so I can pay the loan on the same pay cycle as all my other bills.

  Business Response

  Date: 12/07/2022

  Business Response /* (1000, 5, 2022/11/14) */
  Thank you for contacting us. Mariner Finance takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Toyia ********** entered into the loan with Mariner Finance, LLC ("Mariner") on November 22, 2020. The executed contract requires thirty-six (36) payments of $139.14 beginning on December 22, 2020. Ms. **********'s contract also includes a ten-day grace period to make payments before any late fees are assessed. Because Ms. ********** acknowledged and agreed to the current due date, as evidenced by her signature on the loan document, we are unable to reimburse the late fees assessed.
  
  Our Customer Relations Manager has contacted Ms. **********'s servicing branch location and reviewed the account with the Branch Manager for a potential change in due date. The Branch Manager will contact Ms. ********** to go over the requirements needed to process that change.
  
  For any additional questions or should Ms. ********** require additional assistance, we ask that she contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:11/03/2022

  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.

  m Miserable and ******** after dealing with the unauthorized use of my personal information.
  Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.

  Business Response

  Date: 12/01/2022

  Business Response /* (1000, 5, 2022/11/07) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Andrew ********* entered into the loan with Mariner on September 24, 2020. The executed contract required One (1) payment of $192.37 and thirty-five (35) payments of $156.10 beginning on November 6, 2020. Because the account was due for February 6, 2021 and all attempts to contact Mr. Hernandez had failed, Mariner initiated legal action to collect the account on May 27, 2021. Mr. Hernandez paid the account in full on July 14, 2021.
  
  Regarding Mr. Hernandez' claim of privacy policy violations, a Fair Credit Reporting Act notice and privacy notice, which both include a disclosure regarding Mariner's credit reporting procedures - are provided at the time the account is opened. To further clarify, credit reporting is clearly identified in Mariner's Privacy Notice, and in 15 U.S. Code § 6802, as a type of sharing that cannot be limited by a consumer.
  
  Mariner has no record of having received any prior disputes regarding the matter. Based on our review, the information furnished by Mariner to the nationwide credit reporting agencies is accurate, and therefore we cannot honor Mr. Hernandez's request to delete it.
  
  Should Mr. Hernandez have any questions or require additional assistance, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:11/02/2022

  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.

  see Attached document
  

  Business Response

  Date: 12/01/2022

  Business Response /* (1000, 5, 2022/11/04) */
  A prescreened firm offer of credit, which in this case was "live loan check," was sent to Ms. Thompson on May 2, 2022 The loan offer comes with an attached disclosure clearly outlining the terms of the loan, including the expiration date for the offer.
  
  The check and the attached disclosure clearly and boldly state that the check and the offer are valid through June 1, 2022. A review of the documents provided by Ms. Thompson within her complaint confirm that she attempted to cash or deposit the check on August 3, 2022, more than two months after the offer expired. Ms. Thompson will need to work directly with her financial institution to pay back any funds spent.
  
  If Ms. Thompson would like to apply for a loan with Mariner, she will need to apply via our website, or contact her local Mariner Branch to submit an application. Our Customer Relations Manager did contact Ms. Thompson directly regarding this matter. For any additional questions or to discuss this matter in further detail, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:11/01/2022

  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 borrowed approximately $5k for medical debt relief, got further behind due to more medical bills, enrolled in debt relief organization to help pay bills. Mariner refuses to negotiate and now wants over 12k to pay debt. Mariner Finance in Wytheville VA employee made threats about taking my paycheck, took me to court and now I fear that they will take my house. I just want to pay my bills and they are not willing to work with me.

  Business Response

  Date: 12/01/2022

  Business Response /* (1000, 5, 2022/11/08) */
  ******* ******* entered into the loan with Mariner on November 22, 2021. The executed contract required one (1) payment of $363.07 and fifty-nine (59) payments of $279.04 beginning on January 3, 2022.
  
  Mariner makes every possible effort to work with our customers when unforeseen situations arise that may temporarily affect their ability to meet their contractual obligations. On May 11, 2022 Ms. ******* spoke with her servicing branch and was advised that she would be eligible to refinance the account after six (6) account payments were made. With the account past due for the April 3, 2022 contractual obligation and no payment arrangement having been achieved despite attempts to work with Ms. *******, Mariner initiated legal action to collect the account on June 9, 2022. Judgement was awarded in favor of Mariner on October 17, 2022.
  
  As previously conveyed to Ms. *******, Mariner does not negotiate our customer's debts with for-profit debt settlement companies, but we will provide information to such entities after receiving a valid power of attorney which can be provided directly to the servicing branch location.
  
  For any additional questions regarding this matter, we ask that Ms. ******* contact our Customer Relations Department at XXX-XXX-XXXX. To make a payment, Ms. ******* may contact the local branch.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:10/31/2022

  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.

  Mariner Finance does not disclose all information about your loan, nor do they provide billing statements. For the last 4 months my entire payment has gone to interest, but upon calling I am unable to get a printout, statement, or breakdown of my loan obligation. They only give you the loan balance, so I was under the assumption that this was what I am paying. There is no transparency on what you are paying. I have paid over $700 in the last 4 months with not a penny going to my principal. It has all gone to interest.

  Business Response

  Date: 12/01/2022

  Business Response /* (1000, 5, 2022/11/07) */
  ******** ***** entered into the loan with Mariner Finance, LLC ("Mariner") on July 31, 2020. The executed contract requires forty-eight (48) payments of $185.41 beginning on August 31, 2020.
  
  With Mr. *****'s account being interest beating, the contract outlines that "the interest is computed on the unpaid balance of the principal." With Mr. *****'s balance being $2,378.00 after having made a payment on June 8, 2021, and his next payment having been made on July 30, 2022, 417 days later, the interest per-diem calculates at $1.72 per day. (25.99%/360x$2,378.00=1.72) Taking the per-diem and multiplying it times the 417 days between payments, Mr. ***** is currently catching up on the interest that was earned during the 417 on a balance of $2,378.00.
  
  If Mr. ***** has additional questions or would like us to review his interest and payments with him in further detail, we ask that he contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations