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

  1155 Washington Pike Suite 60 Bridgeville, PA 15017

• 

  Mariner Finance

  560 Clairton Blvd, Suite D Pleasant Hills, PA 15236

• 

  Mariner Finance

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

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:09/08/2022

  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 was contacted by Mariner Finance around May of 2021. I was told by the lady who actually took my contract, all over the phone that i needed to purchase a vehicle type coverage / towing package from a company and was going to be around 400.00 that would be absorbed into my payments. I pulled a copy of my contract and it states that the payment was given directly to me, it wasnt. I was also charged around 1000.00 for life and disability insurance that i was not made aware of. I was not given a choice, was told I needed to have it. I also am paying a payment of 300.00 per month at 35.98% interest. I am paying back 9506.15 finance charge on a 8250.75 loan. Outrageous. Again, was in desperate need. I am now almost a month behind on my payments. I have emailed the company numerous times to notify them of a significant hardship i have recently encountered and do not ever get an email back from them. I also informed them that i work during the hours that they do and could we please communicate in email format because i could not speak with them at work. I also told the main office that i would like to complain about the treatment that i was given at my branch and would like to speak with someone in regards to that. No response. I have contacted the main branch to request anyone reach out to me but my local branch and again , nothing. My local branch treats me as though i am a low life. Like it almost sounds like they are laughing at me when i call the office. i have received emails telling me i am qualified to get additional funds and have called and they were very rude in letting me know that i wasn't going to get anything more and that i was maxed out. I also contacted them when my payments went into arrears to see what could be done. I received and advertisement in my email telling me i qualified to defer a payment. After speaking with the branch i was told that i do not qualify and nobody could just skip a payment.

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 5, 2022/09/13) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this account.
  
  Ms. ***** entered into the loan agreement with Mariner Finance, LLC ("Mariner") on May 13, 2021. The executed loan agreement required one (1) payment of $356.90 and fifty-eight (58) additional payments of $132.10, with the first payment due on June 20, 2021. Finance charges on Ms. *****'s account are based on a precomputed interest calculation as allowed by the state of South Carolina. All such terms are prominently disclosed in a transparent manner in our customers' loan documents, which require the customer's signature as acknowledgment. Copies of the note were provided to Ms. ***** at the time of loan closing,
  
  In conjunction with Ms. *****'s loan, she elected to purchase optional Credit Life Insurance and Credit Accident and Health Insurance (A&H), along with and Auto Plus Membership. Ms. ***** applied her signature on the note and all policy applications where required, indicating her acceptance of, and desire to purchase the optional products. On the note, the following disclosure appears above her signature: "Credit life, credit disability and involuntary unemployment insurance are not required to get credit, and won't be provided unless you sign and agree to pay the additional cost". In addition, Mariner team members are trained on proper disclosure of all terms and conditions of a loan, including the presentation of optional products for which a customer may qualify Regarding the Auto plan, Ms. ***** endorsed the proceeds check in the amount of $379.95 (made payable to her), to apply the proceeds towards the premium amount for her optional coverage. As a courtesy, Mariner provides each customer with an option to cancel the loan and any optional products within fifteen (15) days to receive a full refund, or after to receive a prorated refund.
  
  Mariner respectfully disputes Ms. *****'s claims of unprofessional behavior and that Mariner employees are "laughing at her". This allegation was investigated and no evidence was uncovered that would support Ms. *****'s claim. Mariner was unaware that Ms. ***** was experiencing a hardship preventing her from making her payments as contractually agreed prior to the receipt of this complaint, however we have escalated her concerns to the local Assistant Vice President to review to see what if any relief options may be available to Ms. *****. We will contact Ms. ***** upon review to discuss.
  
  For any additional questions, please contact our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/09/14) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I don't agree with your representation of how i am treated when calling the branch office. I also do not agree that I was given a check or endorsed a check for automotive. This was all done via phone which complicated the issue anyway but understandable due to covid. And as far as being given a check for the automotive I was not.
  
  
  Business Response /* (4000, 9, 2022/09/14) */
  Thank you for the additional feedback. As stated in our prior response, Ms. ***** endorsed the proceeds check for the Auto Plus plan in the amount of $379.95 (made payable to her), to apply the proceeds towards the premium amount for her optional coverage. To further clarify, the check for $379.95 was sent directly to the auto plan provider (FIMC) as payment for her Auto Plus plan. The enrollment form, which is also endorsed by Ms. *****, confirms the membership fee amount of $379.95. We would like to remind Ms. ***** that she may cancel optional products and receive a prorated refund should she choose.
  
  The local assistant Vice President will contact Ms. ***** directly to discuss her concerns regarding her interaction with the local branch, and to review the account for potential relief options, as previously advised.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:09/08/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi I took a loan out with this company in April 2022 against my car title. At the beginning of May 2022, I paid the loan in full. When I requested my title to be returned clear of a lean, they informed me that they had lost the title to my car. Its September 7th 2022, and I still have not received the title to my car despite having paid the loan in full. I am still waiting and they are very hard to get a hold of and have no formal customer support to help with this type of situation. I worked with the office located at Address: 1151 Lee St, Des Plaines, IL 60016 (847) 795-1790.
  

  Business Response

  Date: 10/09/2022

  Business Response /* (1000, 5, 2022/09/13) */
  Thank you for contacting us. We take customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Ms. ********* entered into the loan in question with Mariner Finance, LLC ("Mariner") on April 21, 2022. The executed contract required forty-eight (48) payments of $336.85 beginning on May 21, 2022 and was secured by a perfected lien on a 2012 Mercedes Benz. The loan was paid in full on May 2, 2022. Mariner sent the appropriate documentation along with required fees to the local Secretary of State, per the state's process, and requested a clean title for Ms. *********. On August 2, 2022, Mariner was advised by the Secretary of State that they could not locate Ms. *********'s documents. Mariner immediately voided and re-issued a new check along with new lien release paperwork to the Secretary of State to assist Ms. ********* in getting her title back from the state as quickly as possible.
  
  Mariner continues to check for updates with the Secretary of State regarding the status of Ms. *********'s title, however Mariner can provide Ms. ********* with a lien release letter that will allow her to request a copy of her clear title from the state, which we believe Is the best option to resolve Ms. *********'s concerns, as Mariner is unable to do anything additional to expedite this process. For any additional questions regarding this matter, please-contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:09/06/2022

  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 filed a dispute with this creditor and demanded proof of signed contract and have yet to receive this. I do not recognize the account and it is reflecting inaccurate information on my credit report such as open date, reporting date, and last activity date across the credit reporting agencies. This is a violation of the FCRA. See attachment for proof of inaccuracy on bureaus. I demand this account be deleted from my credit reports for inaccuracy and non written instructions to furnish this account without signed agreement.
  
  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 am consumer reporting agency cannot furnish an account without my written instructions.
  15 U.S.C 1681 section 600 A Section 5 (A)(1): If after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly DELETE that item of information from the file of the consumer.

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 5, 2022/09/08) */
  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 account.
  
  ********* ***** entered into the loan with Mariner Finance, LLC ("Mariner") on December 20, 2016. The executed contract required one (1) payment of $75.64 and twenty-five(25) payments of $63.37, with the first payment due on February 4, 2017.
  
  As part of Mariner's account opening procedures, specific information including the applicant's name, date of birth, address and identification number are required and verified. Verification procedures also include a review of a government issued ID and employment information. Copies of this documentation are retained with the loan file. In addition, multiple payments were made on the account via ACH payment.
  
  Because the account remains past due for the September 4, 2018 contractual payment obligation, and no payment arrangements were achieved, the collection account was sold to Spring Oaks Capital, LLC on November 10, 2020.
  
  Mariner has no record of having received any prior disputes regarding this account. In an effort to protect our customer's sensitive or personally identifiable information, we must first confirm identity before releasing loan documents. You may visit your 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 ******* ******** 8211 Town Center Drive, *********** MD XXXXX.
  
  For any additional questions, please contact our Customer Relations Department at 844-338-2080. To make a payment on the account, please contact Spring Oaks at 866-281-3065.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:08/23/2022

  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.

  I have been through the process of trying to get them to complete the loan they offered me for about a week in a half. I apply they do the credit check I fill out my information and then... nothing. Then I got an email asking what city and state I was in? Like I have only entered on state ? I replied to them and let them know I've tried to call multiple times but no one answered. And nothing. I've tried to contact them. In multiple emails and call and I have received nothing in return. I have applied before a few times and didn't like the loan that was offered but decided to give them a chance this time and well that definitely bit me in the ***. Now. I have a few inquiries to my credit report with nothing in return and no explanation. At least tell me I was denied or some sort of reason for ghosting me.

  Business Response

  Date: 09/09/2022

  Business Response /* (1000, 5, 2022/08/25) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Ms. ******* initiated an online application for credit on August 8, 2022. Records indicate Ms. ******* completed the final verification steps to complete the application on August 22, 2022. The application was approved for funding on August 24, 2022.
  
  Should Ms. ******** have additional questions, please contact our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (2000, 7, 2022/08/30) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  I finished it many times before the 22nd but perhaps it glitch on your end. Anyway, posting here I guess finally got it taken, reviewed, and approved. I don't mind the company but the time it takes shouldn't be close to a month for the internet or servers to take action. At any rate thank you for your response and approval to my loan. Have a great day.

• Initial Complaint

  Date:08/22/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They sent me a check in the mail I deposited it it was for $1,200. I made payments on time every month. I had to stop making payments due to covid outbreak. I had to hire a law firm to negotiate my debt that I owed Mariner and credit card companies. Every company negotiated a repayment plan except Mariner. I borrowed 1200 and paid back over $800 on time now my balance is up to over $4,000 on a $1,200 loan after repaying $800 they will not negotiate with Greenberg Law and the balance goes up up up and up what am I supposed to do. this is illegal. How high is my balance going to get on a balance of $400 Plus some interest it's going to be up to $10,000 by the end of the year for owing $400 this has to be illegal even in this country.

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 5, 2022/08/30) */
  Thank you for bringing this matter to our attention. We take customer concerns seriously, and our Customer Relations Department has thoroughly researched this account.
  
  **** ******* entered into the loan with Mariner Finance, LLC ("Mariner") on August 11, 2020. The executed contract required thirty-six (36) payments of $116.29 beginning on September 11, 2020 with an amount financed of $2,539 plus interest. The account remains past due for the February 11, 2021 contractual payment obligation.
  
  The terms of Mr. ******* loan, including interest and late fee assessment, are prominently disclosed in the loan documents he received in accordance with applicable federal and state law. As outlined in the contract;
  
  "You will be in default if you do not pay on time. When you are in default, we may declare the unpaid Amount Financed and all accrued charges
  due at once (additional interest will continue to accrue in accordance with applicable law).
  
  For any additional questions regarding this account, please contact our Customer Relations Department at 844-338-2080. To discuss potential options for settling the account, please contact our Recovery Department at 888-296-1002.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/09/01) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  The amount financed was 1200 not 2500. They care a fraud.
  
  
  Business Response /* (4000, 9, 2022/09/06) */
  Thank you for the additional feedback. If Mr. ******* is unclear about the terms of the loan, including the original amount financed, he may visit his local branch with a copy of his government issued identification to receive a copy of the original loan check. Mr. ******* also has on demand access to his loan documents through Mariner's online Customer Account center ("CAC").
  
  For any additional questions, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:08/19/2022

  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  MARINER FINANCE XXXXXXXX**** *********
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 10, 2022/09/08) */
  ***Document Attached***
  Thank you for providing the required documentation. After review, both the passport *** social security card provided by Ms. ******* within her complaint, matches the information provided by Ms. ******* during the loan process.
  
  Per Ms. *******' request, please find attached the original signed note with personally identifiable information redacted.
  
  For any additional questions regarding this account, please contact our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:08/19/2022

  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.

  When attempting to resolve a missed payment, I found the accoutn I signed into as no longer accecable. I was told to reregister, which produced no loan information. When My husband called to attempt a payment, he was refused by a Mariner employee, who demanded to speak to me. At this point, Marinier nbeeds to show what happened to the account, ecept the payment or payments.

  Business Response

  Date: 09/09/2022

  Business Response /* (1000, 5, 2022/08/24) */
  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.
  
  A review of applicable records confirm Ms. ****** created a duplicate online account using a different email and social than the existing account, which is why she unable to view her loan information. A support ticket was opened with our online support team upon receipt of this complaint to have the two accounts merged. Ms. ****** should now be able to access her account.
  
  Regarding Ms. ******'s concerns about her husband's ability to submit her on account payment- Ms. ******'s husband is able to submit the payment on her behalf, however we do request he have the account number available for reference in the event he would like to submit a payment directly to the branch location.
  
  Our Customer Relations Manager left a message for Ms. ****** to discuss her concerns in further detail. Should she have any additional questions regarding this matter, please return our call at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:08/15/2022

  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.

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Delete this unverified and misleading account.

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 10, 2022/09/08) */
  Thank you for contacting us.
  
  As advised in our response to Ms. Brewers Prior BBB complaint from July 2022, ********** ****** entered into the loan with Mariner on July 15,2020. The contract requires forty-one (41) payments of $108.86 beginning on August 15 , 2020. Ms. ****** made several account payment via ACH payment.
  
  Since the account remains past due for the January 15, 2021 payment obligation, it is classified as a charged-off account, which remains legally collectable.
  
  Based on our review, the information being provided by Mariner to nationwide credit reporting agencies is accurate. Should Ms. ****** have specific questions regarding the reporting of the account, she may contact our Customer Relations Department at 844-338-2080. If she would like to make a payment on the account, she may contact our Recovery Department at 888-296-1002.
  
  Mariner Finance
  Customer Relations

• Initial Complaint

  Date:08/15/2022

  Type:Customer Service 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.

  Firstly, I think Mariner Finance is a great company and everyone I've spoken with has been pleasant. However, there's a lack of communication regarding the status of my loan application. I've attempted to reach out to general number, my local branch and customer service but have not been given an answer. My last resort is to reach out to BBB with the hopes of receiving an update on my loan application. I've also checked the mail and haven't received any documents as of today: 8/15/2022.
  
  I really want to work with this company and hope this can be resolve quickly! Im asking for an update or any information regarding my active loan application that was submitted on 8/05/2022. I appreciate your help!
  

  Business Response

  Date: 09/09/2022

  Business Response /* (1000, 7, 2022/08/17) */
  Thank you for bringing this matter to our attention. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  A review of records confirm Ms. ******'s loan was closed and funded on August 16, 2022. Our Customer Relations Manager spoke with Ms. ****** and confirmed her concerns have been resolved.
  
  We appreciate Ms. ******'s patience during this time. Should she have any additional questions, please contact your local branch or call our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (2001, 13, 2022/08/17) */
  8/17: This issue has been resolved and I was contacted by Mariner Finance for assistance. I truly appreciate their time, effort and help.
  
  
  Consumer Response /* (2000, 18, 2022/08/17) */
  8/17: This issue has been resolved and I was contacted by Mariner Finance for assistance. I truly appreciate their time, effort and help.

• Initial Complaint

  Date:08/11/2022

  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.

  Entered into a personal loan with Mariner Finance which put a lien on two of my vehicles. I was 2 months behind (June 2022 and July 2022). Technically 1 month because my 2nd month was still in the grace period when Mariner turned me over to an attorney. My spouse, also on the personal loan called Jeff ************ manager of our local branch and Jeff stated that we were 3 months behind and he is going to garnish our wages. We were 45 days behind. I found the name of the attorney we were sent to and asked to immediately catch up the $884 that we were behind. The attorney's office called Jeff (manager) and he declined to stop legal proceedings even with me stating we can make the payments that very minute. They did agree to $107 a week, but through wage garnishments. I also have to still make up the $884 I am behind by the end of August on top of the up and coming garnishment. I feel this is over the top, especially when I tried to pay. Jeff *********** said he would take the payment, but not stop the legal proceedings. I feel Jeff was upset that we didn't get back with him on his numerous calls a day and therefore went as far as he could go to make us suffer.

  Business Response

  Date: 09/04/2022

  Business Response /* (1000, 8, 2022/08/24) */
  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 account.
  
  ******* ******** entered into the loan with Mariner on March 31, 2022 as a co-owner. The executed contract requires one (1) payment of $552.76 and Forty-one (41) additional payments of $429.67 beginning on May 15, 2022.
  
  On August 3, 2022, with the account past due for the June 15, 2022 contractual payment obligation, and all attempts to contact the account holders having failed, Mariner initiated legal action to collect the account on August 3, 2022. Due to legal action having already been initiated at the time Ms. ******** attempted to bring the account current, a stipulation agreement would need to be signed to potentially avoid wage garnishment.
  
  We encourage Ms. ******** to contact the handling attorney ****** ***** at XXX-XXX-XXXX to arrange, as wage garnishment has not yet been initiated. For any additional questions regarding this complaint, please contact our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 10, 2022/08/25) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I did contact the attorney around mid June who in turn contacted the local branch manager. He did agree to a weekly arrangement, but still via garnishment. My offer to catch up and resume payments was denied.