Complaints

This profile includes complaints for Personal Finance Company LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Personal Finance Company LLC

  8211 Town Center Drive Nottingham, MD 21236

• 

  Personal Finance Company

  116 Front St Suite D Lawrenceburg, IN 47025-1965

• 

  Personal Finance Company

  PO Box 4012 Lawrenceburg, IN 47025-4012

• 

  Personal Finance Company

  8117 Connector Dr Florence, KY 41042-1469

• 

  Mariner Finance

  35 Pine Lake Ave La Porte, IN 46350-3027

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:09/04/2024

  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 **** with ********************************* , i don'thave contractwith this collection agency i didt sign any paper document to agreeof any of this termes . They Not Provide me with original constructas requested.

  Business Response

  Date: 09/06/2024

  Thank you for contacting us.  Mariner Finance, LLC ("Mariner") has no affiliation with ********************************* and believes this complaint has been sent to the incorrect company.  For assistance with a Mariner account, please contact Mariner's Customer Relations  Department at ************.

• Initial Complaint

  Date:05/02/2024

  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.

  Stolen identity forged signature I done everything ask of me and they refused to refund my money

  Business Response

  Date: 05/03/2024

  Thank you for contacting us.  Mariner Finance, LLC ("Mariner" was unable to locate a current or prior account for this consumer and believes the complaint may have potentially been sent to the incorrect company.  Mariner's Customer Relations Manager called the number provided in this complaint in an effort to gather additional information that may assist us in locating an account.  We ask that the consumer contact us at ###-###-#### for further assistance. 

• Initial Complaint

  Date:03/17/2024

  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 urgently to address the inaccuracies on my credit report arising from the disclosure of my personal information to credit bureaus, causing significant financial and emotional *********** stated in 15 USC 1681 Section 602, I assert my right to financial privacy and expect the confidential treatment of my information.Moreover, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from sharing account details without my explicit consent, which I have not provided.The discrepancies associated with PERSONAL FIN have adversely affected my financial standing, requiring immediate correction.I also stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under certain circumstances.Below are my account details for your reference:Account Number: ****************I urgently request a thorough review of my account, prompt rectification of credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. Your immediate attention to this matter is appreciated.Sincerely,****** ******

  Business Response

  Date: 04/17/2024

  Ms. ****** entered into the loan with Personal Finance Company (PFC) on December 1, 2015.  PFC was later acquired by Mariner Finance, LLC (Mariner).
  
  Regarding Ms. ****** allegation that Mariner violated the Fair Credit Reporting Act an initial disclosure regarding credit reporting in the **** Act Notice and in the Privacy Notice, both of which were provided to her at the time the loan was originated, and annually as required by law. To further clarify, credit reporting is clearly identified in Mariners Privacy Notice, and in 15 U.S. Code 6802, as a type of sharing that cannot be limited by a consumer. 
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Mariner makes accurate account information available to the ************************* (CRA) on a monthly basis, and each CRA has its own internal policies that determine how the information is displayed in the credit report and for how long.  Based on a review of Ms. ****** account, the information furnished by ******* to the nationwide credit reporting agencies is accurate.  For any additional questions regarding this inquiry, Ms. ****** may contact ************************************** at ************.  

  Business Response

  Date: 04/17/2024

  Ms. ****** entered into the loan with Personal Finance Company (PFC) on December 1, 2015.  PFC was later acquired by Mariner Finance, LLC ************************************** allegation that Mariner violated the Fair Credit Reporting Act an initial disclosure regarding credit reporting in the **** Act Notice and in the Privacy Notice, both of which were provided to her at the time the loan was originated, and annually as required by law. To further clarify, credit reporting is clearly identified in Mariners Privacy Notice, and in 15 U.S. Code 6802, as a type of sharing that cannot be limited by a consumer. 
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  Mariner makes accurate account information available to the ************************* (CRA) on a monthly basis, and each CRA has its own internal policies that determine how the information is displayed in the credit report and for how long.  Based on a review of Ms. ****** account, the information furnished by Mariner to the nationwide credit reporting agencies is accurate.  For any additional questions regarding this inquiry, Ms. ****** may contact ************************************** at ************.  

   

• Initial Complaint

  Date:10/09/2022

  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 filing a complaint due to an error that has been made by ***** **** at Personal Finance/Mariner Finance. I have been making $50 pymts on my account since October 2020. I have a call record to verify that I left messages with Ms **** for May 2022, June 2022, July 2022, and August 2022 pymts asking her to please use my banking information on file to make my $50 pymt. She never applied any of these month's pymt to my account as I had requested. I left a message Aug 2022 questioning Ms **** as to why she had not been deducting my $50 pymt from my checking acct information she had on file and asked her to please take $50 for Aug 2022 pymt. 9/12/22 I called Ms **** regarding the pymts that she had not been applying to my loan balance. Ms **** confirmed that she had received all of my messages that I had left requesting her to make my $50 pymts. I asked her why she had not taken out my pymt for my loan. Ms **** disregarded my question and asked if I wanted to make a pymt today and I said yes. Ms **** took my $50 pymt at this time. 9/14/22, I received a small claims summons to appear in court due to non-pymt on my loan. I had no words. I have been making my $50 pymt to Ms ***** **** each month since Oct 2020. I never stopped making my pymt. Ms **** failed to apply my $50 pymts. I called Ms **** on this date and asked her what she had done. Ms **** stated she was not going to lose her job over me. I asked her what she meant. I asked to speak to her Supervisor as Ms **** repeated herself about not losing her job over me. I was transferred to Shirley who was as rude as Ms ****. Shirley questioned my monthly $50 pymt. I told her that was the agreement Ms **** and I had made Oct 2020, 2 years ago. I asked to speak to someone who could help me with this error. Shirley provided a phone # to an attorney rather than me speaking to anyone else at Personal Finance. I never once stopped making my pymts. This is unjust and has caused great me great distress. Is this legal?

  Business Response

  Date: 12/21/2022

  Business Response /* (1000, 5, 2022/10/14) */
  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.
  
  Ms. Rodgers entered into the loan with Personal Finance Company (PFC) on August 26, 2016. PFC later rebranded to Mariner. The executed contract required one (1) payment of $172.17 and thirty-six( 36) payments of $150 with an original maturity date of October 3, 2019. Because the account remained past due for the March 3, 2018 contractual payment obligation and no payment arrangements had been achieved, Mariner initiated legal action to collect the account on February 21, 2019. Ms. Rodgers contacted Mariner on October 14, 2020 and agreed to make payments of $50 or more per month to avoid continued collection attempts.
  
  Mariner has agreed to accept the remaining balanced owed minus additional fees as a courtesy, however we request all payments be submitted to the handling attorney. We have communicated the proposed resolution to Attorney Heavner who will in turn discuss with Ms. Rodgers.
  
  For any additional questions regarding this matter, please contact our Customer Relations Department at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 7, 2022/10/15) */
  ***Document Attached***
  
  
  Business Response /* (1000, 16, 2022/10/31) */
  Thank you for the additional feedback. As stated in our prior response, Ms. ********* account has been a legal account since February 2019.
  
  The recent payment activity has no bearing on the legal action initiated in 2019.
  
  For any additional questions regarding this matter, we ask that Ms. ******* contact Attorney ******* at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (3000, 18, 2022/11/02) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  November 2, 2022
  RE: Andrea ******* acct # XXXX-XXXXXX-XX X
  October 14, 2020, I entered into a verbal agreement with Vicky Hill to make
  $50 payments each month which I have been doing. The small claims
  summons case was dismissed on November 16, 2020. For whatever
  reason, Vicky Hill chose not to accept my payments as of May 2022 of this
  year.. This error has been acknowledged and recognized by Mariner
  Finance/Personal Finance.
  Regarding the conversation with Keisha Mariner Finance Customer
  Relations on October 14, 2022, I again agreed to continue paying off this
  debt as I have been for the past two year, however I did not realize that
  when speaking to Keisha they would not be dismissing the small claims
  summons they have brought against me due to Vicky Hills error is
  accepting my payment and applying it to my account. I do not feel that I
  should have received the small claims summons and reached back out to
  Keisha on this same day with my concerns.
  I called October 22, 2022 to request a $50 payment be applied to my
  account however Vicky Hill Mariner Finance Personal Finance chose not to
  accept this payment.
  October 31, 2022 I returned a call from Keisha Mariner Finance Customer
  Relations. Keisha was questioning the response I made to BBB on October
  15, 2022. I wanted to report on the issues I have had over the course of
  several loans through Personal Finance and the extra fees that were
  charged to me at each loan until I questioned it. Keisha did not understand
  the concerns that I had in regards to Vicky Hill not accepting my payments
  and how I was served a small claims summons. I had concerns regarding
  the fact that there was no mention of my account being sent to collections
  when Vicky Hill accepted a $50 payment from me on September 12, 2022.
  (Small claims summon was received on September 14, 2022). Keisha
  stated our conversation was going nowhere and I agreed. Keisha told me
  that I was a grown adult woman who could have found other ways to make
  my payments. I reported that I had on several occasions asked Vicky Hill
  about other options of making my monthly payments however Vicky Hill told
  me that my only option was to make my payments through her.
  I have concerns that my account was sent to collections in order for
  Mariner Finance Personal Finance to begin collecting interest on my
  account after they had closed it. There is no other explanation as to why
  my payments were not applied to my account as I had requested. I made
  three calls in June 2022, two calls in July 2022 and three calls in August
  2022; now two calls in September and one call in October. Keisha told me
  that I should take responsibility for my payments. I consider this my taking
  responsibility for trying to get this account paid off.
  If I had not been trying to make my payments each month since my verbal
  agreement with Vicky Hill Mariner Finance Personal Finance then yes
  submit a small claims summons. Vicky Hill has acknowledged receiving my
  requests. I have no control of Vicky Hill's job responsibilities however I do
  believe her job was to apply my payments to my account as I had
  requested.
  Sincerely,
  Andrea *******
  
  
  Consumer Response /* (3000, 20, 2022/11/06) */
  My complaint against Personal Finance LLC needs to be made against Mariner Finance LLC as well. My paperwork shows Personal Finance Company LLC N/K/A Mariner Finance LLC.
  
  
  Business Response /* (4000, 22, 2022/11/11) */
  Ms. ******* entered into the loan with Personal Finance Company (PFC) on August 26, 2016 with an original maturity date of October 3, 2019. PFC that later rebranded to Mariner Finance, LLC ("Mariner").
  
  With the account past due for March 3, 2018 and multiple failed attempts to contact Ms. *******, legal action to collect the account was initiated on February 21, 2019. Once legal action is initiated on an account, the account remains a legal account. With the account remaining past due, the legal action will continue until judgment is granted by the courts or the customer signs an agreed judgment.
  
  It is the customer's responsibility to make payments as agreed upon. The inability of a customer to achieve direct contact with any particular individual does not relieve the customer from their responsibility to make the agreed upon payments outlined in the executed contract. For any additional questions regarding this matter, we ask that Ms. ******* contact Attorney Heavner at XXX-XXX-XXXX.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (4200, 24, 2022/11/14) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I entered into several loans with Personal Finance Company and I do not believe the date you are referencing is correct. I have contacted Personal Finance / Mariner Finance and requested a copy of all loans and transactions that were made for a couch, bed and three $500 loans.
  
  I did not receive any communications from PF/MF once it was brought to their attention about the hidden fees that were applied to my loans. There was a $281 credit to my account but that did not cover all of the hidden fees totaling $1100.
  
  I reached out to PF/MF to begin making payments in Oct 2020. The legal action that I found out after the fact was dismissed. Williamson County Clerk verified this to be correct. The only reason there is a legal action against is per Vicky Hill not making my payments to my account as requested.
  
  The company should provide other options of making payments. Vicky Hill did not answer the phone and her voicemail was full most of the time. I spent quite a bit of time trying to make my payments. I work and do not have the time to call everyday hoping Vicky Hill will answer my call. The company has an obligation to their customers as well. Vicky Hill provided one option for me to pay and it was through her. If my online account could have been open then I would have not had to leave messages with Vicky Hill when she did not answer the phone. It was also difficult when her voicemail was full all of the time.
  
  I have been in contact with PF / MF, their attorney as well as Vicky Hill Collections and Keesha Customer Relations to try to resolve this matter. As I stated previously, I have been requesting and making my payments each month until for some reason Vicky Hill stopped accepting my requests for payment.
  
  The lawyer postponed the court date to next month stating we were working on a resolution. As of 11/14/22 there has been no communication from anyone regarding a resolution. There is no resolution if I am expected to agree to a judgment that has been falsely made against me.
  
  Upon review of past business transactions with others regarding similar issues as mine with PF/MF, I made a complaint to the Attorney General. The company had a class action lawsuit against them for hidden fees that I was not aware of.
  
  Due to the emotional harm that has been caused by Vicky Hill and others at PF/MF by accusing me of not wanting to or failing to make my payments, I plan to seek damages. I was falsely accused and that resulted in a summons. This situation has caused me great stress and continues to do so.
  
  
  Business Response /* (1000, 28, 2022/11/21) */
  Mariner will provide a final response to Ms. ******* concerns by Wednesday, November 23, 2022.
  
  
  Business Response /* (1000, 34, 2022/11/23) */
  Mariner has reviewed the account and Ms. Rodger's concerns. Although legal action was initiated February 21, 2019 and recently progressed due to having not received payments as agreed upon, Mariner has decided to put legal action on hold and waive the current legal fees while continuing to allow Ms. Rodgers to immediately resume the agreed upon payment arrangements. In the event Ms. Rodgers stops making the payments as agreed upon, Mariner reserves the right to continue the legal action that was initiated on February 21, 2019. In order to avoid any miscommunications, Ms. Rodgers needs to make the agreed upon payments directly to the collection attorney at Heavner, Beyers & Mihlar, LLC *** E ******* *** ******** ** XXXXX. In the event Ms. Rodgers has any additional questions, we encourage her to contact Heavner, Beyers & Mihlar at XXX-XXX-XXXX.
  
  Thank you
  Customer Relations

• Initial Complaint

  Date:08/04/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've never heard of this company nor been contacted by them, but they have flagged my Experian credit report for collections 3 times in 3 weeks. All my bills are paid in full every month. My only debt is my mortgage which is up to date. I can't figure out how to contact this company.

  Business Response

  Date: 08/26/2022

  Business Response /* (1000, 5, 2022/08/08) */
  Thank you for contacting us. Mariner Finance, LLC ("Mariner") takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Personal Finance Company ("PFC") rebranded to Mariner ("Mariner") Finance, LLC. Mariner Finance is currently not providing credit reporting updates under the PFC brand. In addition, we show no account or application with Mariner based on the information provided within this complaint.
  
  Ms. ******* may be referring to PFC USA, a debt collection company. Mariner has no affiliation with PFC USA. Our Customer Relations Manager attempted to contact Ms. ******* to discuss this matter in further detail, and was to leave a message.
  
  For any additional questions regarding this matter, we ask that Ms. ******* contact our Customer Relations Department at 844-338-2080.
  
  Mariner Finance
  Customer Relations
  
  
  Consumer Response /* (2000, 7, 2022/08/11) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  They claim to no longer be PFC, and that I must be referring to PFC USA. Nothing scummier than fraudulent debt collectors, so I'll believe Mariner, for now.