Mariner Finance, LLC

I am disputing a loan issued through Mariner Finance that was used to finance a XXXX water softener installed in my home in XX/XX/year>. Since installation, the system has repeatedly failed to perform as represented. The water is not consistently softened and continues to have odor issues despite multiple documented service complaints and repair attempts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida ). Due to the continued nonperformance of the system, I requested cancellation of the agreement and removal of the equipment. XXXX has not honored this request and has refused to retrieve the equipment. Because this loan was arranged through the vendor for the purchase of this product, I am disputing the validity of the financing associated with this transaction. I have requested that Mariner Finance place the account in dispute status while the vendor issue is resolved.…

Read full complaint at CFPB →

I am filing a complaint regarding a loan that was processed through a contractor and financing company. At the time of sale, I was verbally promised XXXX months no-interest financing by the contractor XXXX XXXX representative. I agreed to move forward with the project based on those specific terms which was from Mariner Finance. However, the loan that was ultimately processed does not reflect the terms that were presented to me. The financing agreement differs from what was clearly explained prior to signing. Additionally, there were concerns during the signing process, including being asked to re-sign documents through XXXX, which raises further concerns about whether the terms were properly disclosed and agreed upon. I believe this situation involves misrepresentation and potentially deceptive sales practices, as I relied on the information provided to me in good faith when agreeing to the financing.…

Read full complaint at CFPB →

On XX/XX/XXXX I received an invite from Mariner XXXX to apply for, quick funding. On XX/XX/XXXX I went into the XXXX Maryland office to refinance the loan based off the recent offer. Although, Im currently making loan payments. I have refinanced in the past. The regional manager XXXX had my XXXX credit pulled, and my score was XXXX, but didnt approve the refinance. So, I attempted to make a debit payment online, and discovered for the first time ever the make payment button was red. Next, I attempted to pay through the phone automated system, and my payment was denied. Eventually, I reached a representative XXXX in Texas, and was advised my account was locked. My account is paid in advance for more than XXXX months, and I need to continuously make payments online. The regional manager XXXX did not inform me, that he was locking online, and phone automated access to make payments.…

Read full complaint at CFPB →

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!

Case was filed in court Mariner Finance did not respond within the required 20 days. When I filed motion for default. They produced a document of a computerized signature of my name ( in court XXXX XXXX ) that I signed for arbitration. I explained to the court I am unaware of this signature and this is a sham. I received the motion on XX/XX/year>, that they motioned for on XX/XX/year>, Mariner Finance certificate of Service documented the motion was mailed to me on XX/XX/year>, they have 4 lawyers on the case with paralegals and Secretaries. There is EXCUSES for this error or FRAUD on a certificate of Service. I have requested a date for arbitration and have received NOTHING Mariner Finance have asked for a dismissal if a Arbitration is not done in 90 days we are at day 28 today

I have paid Mariner {$4200.00}! @ {$450.00} a month! I asked if I can lower the payments because Im having some hardship and was denied my reasons!! Mariner immediately said my {$4200.00} does not count towards my balance that it jumps back to its original amount of {$11000.00} I then okay {$4200.00} - {$11000.00} is {$7700.00}.!! Mariner said NO! Its back to its original amount!! I then said this is Unethical and Abusive! Please send a formal letter of a description speaking of these numbers as I feel Im being scammed!! I have not heard or received any letter from Mariner!! Giving detail of where my money went towards or too???

In XX/XX/year>, I responded to an online advertisement from a company called Growth Cave that promoted making money quickly through their Knowledge Business Accelerator program. At the time I was XXXX XXXX XXXX and had never taken out a personal loan before. I scheduled what I believed was an onboarding or informational call. During the sales process I was encouraged to enroll in the program, and financing was presented as part of the signup process. I did not clearly understand that I was applying for a loan. I believed I was simply enrolling in a business program. I later discovered that a loan had been issued through LendingPoint for approximately {$9800.00} with aXX/XX/XXXXinterest rate, resulting in total payments exceeding {$18000.00} over time. The loan was used to pay Growth Cave directly for their coaching program. After the loan was issued, the account was later transferred or serviced by Mariner Finance.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX Violation inaccuracies under deleted disputes. This account has a charge off status and a monthly balance. Please remove in accordance with FCRA and XXXX XXXX guidelines. Mariner Finance violated my credit under the following : 15 U.S.C 1681s-2 : data furnishing wrong account status, balance owed after charge off status, last payment date, last payment made, double charged off status XXXX and recharged off again XXXX. 15 U.S.C 1681i : Ive disputed and re-requested investigations XXXX XXXX XXXX XXXX the major the credit bureaus XXXX XXXX with this account on XXXX XXXX since XXXX. And every time they failed to correct or Remove this account!. * XXXX XXXX Violation reporting to the major credit Bureaus. Which insures Compliance with the Fair Credit Reporting Act ( FCRA ) providing Accurate, consistent, Timely Data on XXXX XXXX, accounts, payments, and disputes.…

Read full complaint at CFPB →

I am disputing inaccurate information being reported on my credit report by MARINER FINANCE. The account shows a charge-off of {$5600.00}, with 26 potentially negative months, and a past due balance of {$5600.00} as of XX/XX/year>. I have previously submitted a dispute to the credit bureau, but the account was marked as verified and remains on my report incorrectly. The reporting is inaccurate and does not reflect the true status of the account. I request that the inaccurate information be removed from my credit report to comply with the Fair Credit Reporting Act.

On XX/XX/year> I had taken my niece to XXXX XXXX to get a loan to pay for her mother/my sister funeral. My niece did not have credit, so it was put in my name at which time XXXX XXXX XXXX XXXX tried aggressive sales tactics and offer more money than my niece needed. On XX/XX/year> I explained to XXXX XXXX that my niece was not going to pay the loan back at which time I became responsible for the loan. I was going on vacation, so I called XXXX XXXX to see if I could get XXXX dollars for my trip. She never got back with me until XX/XX/year>, at which time she used XXXX XXXX and XXXX XXXX Tactics by telling me that the lender was offering to pay off my car and also give me cash for my trip. My car was at a point that it was costing too much money to maintain so I needed a new car. That is when I found out that XXXX XXXX XXXX combined XXXX loans together.…

Read full complaint at CFPB →

Took out a personal loan with a lien against our car. Was unable to repay entire loan. The company then " sold the loan and all rights and interest to it ''. They did not remove the lien. The debt collector the creditor sold the loan to took us to court. We argued that because they sold the loan the lien shouldn't exist either. The judge agreed and ordered that we could sell or transfer the title and that the original lien was no longer valid. We called the original creditor to ask them to remove the lien. They told us no. That they legally owed the lien until the debt collector reported 95 % of the debt repayed. There is nothing in the sale contract that states that they still have the right to hold a lien. This is a clear violation of law and they're using it to strong arm consumers. We informed them that they sold the debt, title and ALL interest in the contract and that a judge stated the lien was not valid. They had us email the court paperwork to their legal department.…

Read full complaint at CFPB →

I am submitting this complaint regarding Mariner Finance , LLC and their refusal to properly investigate and remove a fraudulent account from my name. I reported to Mariner Finance that an account in my name was opened fraudulently. I did not open, authorize, or benefit from this account. I disputed the account and provided information supporting my claim of identity theft. On XX/XX/year>, Mariner Finance sent me a letter stating that their investigation was complete and that they were unable to verify fraud. They stated the account would no longer be reported as disputed to the credit reporting agencies and that I remain responsible for the debt. I believe Mariner Finance has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I requested that they review the documentation used to open the account, including the original signed contract, application information, IP address records, and any identifying details.…

Read full complaint at CFPB →

I paid this account off in full through XXXX XXXX XXXX. Was provided paid in full letter and told that they had sent the information to Mariner to bring balance to XXXX. Instead there has not been a balance increase and incorrectly reporting additional late payments. They are refusing to return my calls. I additionally have recorded conversations from XXXX XXXX XXXX stating the account is paid and full and that they contacted the legal department at Mariner to have them update the file as paid in full.

I was approved for a personal loan with Marinaer Finance. I was approved online for a loan of {$1000.00}. I have all the messages and I called yesterday XX/XX/year> to confirm. I set an appointment with a loan XXXX and when I did I asked her again? If she was sure it was % XXXX approved. I asked her what I needed and she swore just me!!!! I got there at XXXX she asked if had a debt card. She was going to have the funds deposited on to it. I didn't have XXXX, I could use at the time. She said it was ok, because she was just going to print the check. Then she asked her coworker or XXXX to look it over. The woman she asked then tells her to that I needed to use my Deed for my Mobile Home as collateral. This is a violation. I was very angry and I told them they were falsely misinformed about civil rights. I walked out and when I tried to file a complaint at the XXXX XXXX website, the agent I spoke with was also extremely rude towards me.

On XX/XX/year>, I received a phone call from a Mariner Finance representative named XXXX at my place of employment under the pretext of employment verification. During that call, after I stated it was not a good time to talk, the representative attempted to discuss my delinquent auto/title loan account and stated that if I did not make a payment the account would be sent to attorneys for wage garnishment. This statement appeared intended to pressure me while I was at work. On XX/XX/year>, Mariner Finances repossession agent, XXXX XXXX appeared at my workplace. The agent entered the dealership and spoke with XXXX of my sales employees. He asked for a finance manager to turn in a repo he had done for us and asked employees to locate me by first and last name, disclosing that my vehicle was also up for repossession.…

Read full complaint at CFPB →

I am formally disputing the following account reported on my credit file as it contains inaccurate, unverifiable, and misleading information, and does not take into account significant mitigating circumstances beyond my control. This dispute is submitted under the rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all information reported to be accurate, complete, and verifiable. Disputed Account : Creditor : Mariner Finance Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Account NumbXXXX XXXX XXXX XXXXXXXX Account Type : Secured Loan Status : Charge Off Date Reported : XX/XX/XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Reasons for Dispute : Inaccurate Balance and Payment History : The reported balances, payment amounts, and charge-off history contain multiple inconsistencies that do not align with my documented payment records.…

Read full complaint at CFPB →

XX/XX/XXXX RE : Predatory Lending questions To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. had garnished my wages through XXXX and the debt was fully collected by XXXX. The garnishment process ended months ago. However, I received a new demand letter on XX/XX/XXXX. I do not understand why they failed to collect that supposed last payment due months ago during garnishment phase. Also, I question the amount they claim I still owe. I included the XXXX XXXX I sent to the court. XXXX XXXX made almost {$4000.00} in interest on the loan. Then they come back for more after it was paid off. Seems very shady. I admit I do not understand what the courts response means to the case. I did not see that it said Dismissed or No payment required. I do question the creditors timing for one more payment. Perhaps your office can help me understand the bottom line here. Sincerely, XXXX XXXX

Mariner Finance, I offered a settlement agreement of $ XXXX on XX/XX/year>, they denied that. I asked for a payment arrangement on XX/XX/year> requesting {$200.00} a month for repayment as I just finished a yearlong divorce, have XXXX XXXX to raise a mortgage and other financial obligations like unemployment over payment. This was denied, tried again on XX/XX/year> no resolution, this company refused to make a deal with me.

I am disputing the accuracy of this account and requesting full debt validation. Mariner Finance is reporting this account on my consumer credit reports, but I have not been provided documentation proving that this debt is mine, that the amount reported is accurate, or that the account has been reported in compliance with the Fair Credit Reporting Act ( FCRA ). I have not received the original contract, a complete payment history, or an explanation of how the balance was calculated.

I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Hello, XXXX XXXX is not my debit account and does not belong to me. I have never opened or authorized this account. Please remove this inaccurate information from my personal credit history immediately. I have already submitted documentation regarding this matter. If additional information is required from me to complete this correction, please let me know. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

I signed a form that was supposed to protect me for making payments for 19 months if I lost my job and if I applied for unemployment. I lost my job on XX/XX/2025. I as reminded by the loan office about the protection plan I signed up for. My truck was repoed recently. Not sure of the exact date. I received several calls from a different department saying they do not communicate within departments so copies of documents are not shared. I started working again in XXXX. I didnt even receive my first paycheck yet and my truck was taken. I was told to report to the office once I receive a paycheck but the vehicle was already taken.

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number XXXX XXXXXXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor. 2. The original account number and any reference number you use. 3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits. 4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to. 5.…

Read full complaint at CFPB →

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

When I checked my credit report, I saw that there was a collection for about {$2400.00}, I thought it was very strange so I went and looked on XXXX for the information to call the company when I called the company I gave them my phone number and there was no account under my phone number. When I spoke the a customer service representative they told me they needed to transfer me to the branch that the account was made. When I was transferred to a city name Ive never heard of which is located in north Florida. I live in XXXX XXXX Florida and have never lived anywhere else besides New York for a year. And I have had the same phone number all my life so I know I wouldnt put it in another phone number.

I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Mariner Finance is reporting inaccurate and misleading information for a personal loan account that was charged off. The account was charged off in late 2023, yet Mariner Finance continues to update the balance and delinquency status into 2025. The tradeline reflects the account as written off while still reporting it as past due, which is contradictory. Additionally, partial payments made prior to charge-off are not accurately reflected in the reporting. A charge-off is a one-time accounting event. Continuing to update a charged-off account with rolling delinquency and balance changes is misleading and XXXX constitute re-aging. The reported balance has not been clearly itemized to explain post-charge-off changes. I disputed these inaccuracies through the credit reporting agencies. Despite this, Mariner Finance has continued to furnish the same inaccurate information without correction or explanation.…

Read full complaint at CFPB →

I had a loan with this company. I defaulted so the account became a court judgment. I started making payments of $ XXXX for over a year towards the judgement. During this time I requested numerous settlement offers. The branch closed abruptly and I was no longer able to make payments. However they have continued harming my credit. I finally after months of trying, got in contact with someone who told me my account was now {$7000.00} and was still interest bearing. However when an account to charged off and becomes a judgment interest is no longer accrued. This company has been giving me a run around and all Ive tried to do is work out a settlement and pay them. Absolutely horrible company.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested Mariner Finance [ Address exactly as shown on your credit report ] Re : Demand for Deletion Account No. XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal compliance of the above-referenced account as it is currently reported to the consumer reporting agencies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information that is complete, accurate, and verifiable, and to conduct a reasonable investigation upon notice of dispute. Despite a prior dispute, this account continues to be reported without sufficient documentation establishing : 1. My legal obligation for the alleged debt 2. The full chain of custody and authority to report 3. Compliance with notice requirements under applicable law 4.…

Read full complaint at CFPB →

My ex boyfriend called me and said the court house called him thinking he was XXXX XXXX trying to serve him for court for a lawsuit debt. He called me immediately this is the second time they have called him harassing asking about me this time they gave him my personal address that he did not know we moved away due to XXXX XXXXXXXX and the person asked is this XXXX XXXX that lived on XXXX XXXX that was a violation of my personal information it was obvious it was a man on the phone and not myself. This is the second time they have called giving my personal information they first time they told him they were going to reprocess my XXXX car he didnt even know I had a XXXX car once again they are releasing my personal information before verifying it was me.

I serve as Attorney-in-Fact for XXXX XXXX XXXX under a valid Limited Power of Attorney. Pursuant to XXXX XXXX XXXX XXXX XXXX, I am obligated to act with care, competence, diligence, loyalty, and exclusively in the best interests of my principal. On XX/XX/XXXX, I filed CFPB Complaint XXXX against Mariner Finance , LLC on behalf of XXXX XXXX XXXX XXXX That complaint included a Limited Power of Attorney that contained technical defects in form. A corrected Limited Power of Attorney dated XX/XX/XXXX has since been executed that complies with XXXX XXXX XXXX XXXX XXXX. The corrected LPOA is attached to this complaint and supersedes all previous versions. This complaint incorporates all factual allegations from the original XX/XX/XXXX complaint and documents Mariner Finance 's XX/XX/XXXX response, Mariner Finance 's failure to rebut the certified public records documenting void corporate infrastructure, and Mariner Finance 's continued violations.…

Read full complaint at CFPB →