Mariner FinanceReviews of marinerfinance.com

My husband and I were approved for a $5000 loan and scheduled an appointment to come in to finalize paperwork on Wednesday, February 2. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. When we came in for our appointment, we worked with Holly. I handed Holly my husband’s ID, his social security card, proofs of income, address verification and my USCIS work authorization card (serving as photo ID) and my social security card because my name is spelled differently on my USCIS ID card. My SS card has a restriction on it saying, “valid for work only with INS authorization”. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasn’t even required to bring in my social security card – I brought it to show the spelling of my name. Holly left the room with our documents and came back in. She said that she had some bad news and that they were “unable to approve the loan because I am on not a citizen and on a work visa”. This was the first time anything regarding my citizenship came up. I am not on a work visa – I have never in my life been on a work visa and I certainly never said anything to Holly about a work visa. I explained to Holly that I am not on a work visa, and I was confused about how she came to that conclusion; I am considered a permanent resident because of my indefinite humanitarian parole status. Holly then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which Holly interrupted me and asked, “but you’re not a citizen?” My husband then asked Holly if she knew the difference between a citizen and a permanent resident to which she responded, “no I don’t”. Holly’s supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because I’m on a fictional work visa, now it’s because of the social security card that I wasn’t required to bring in. I tried explaining, again, that I am considered a permanent resident and that I’ve applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said, “well then you can go apply at a different lender”. I wasn’t asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.

Applied for a personal loan recently. After almost two full weeks time (as if people can typically wait that long when they are in a position to be taking out a loan) I received a phone call about providing info I had already provided on the application. I bit my tongue and provided all the info again, expecting that to possibly speed up the process. However another 4 days went by with no contact whatsoever. I then decided to call and cancel my application. Although I was polite the lady seemed disinterested entirely, offered no help and didn’t ask why when I asked to cancel. She simply replied “ok” and hung up. Avoid if you actually need a loan you can’t wait a month to hear back if you’ve been accepted or not.

I have a loan with Mariner Finance ONLY because they merged with Personal Finance Company my prior loan provider, so it was not by choice! They are incredibly rude and do not work with you at all if you are ever late on even one payment and cannot wait to try to ruin your credit and put a mark on your report on top of harassing you by phone numerous times even after you have set a date to make your payment!! I have had to contact the CFPB twice on them!! I DO NOT recommend anyone use them, their interest rates are usuary and there are much better options with good financial institutions that are fair, ethical, professional and appreciate their customers!! No one does anything for you when you contact the customer service on your loan, they have no solutions, offer no help, only harass you with phone calls and rush to put derogatory marks on your credit reports to get revenge on you!!! Worst place I have EVER dealt with, along with Heights Finance both are the WORST of the WORST office people and managers are so hateful and disrespectful and do nothing for you and I work for the government and am a twice widowed mother living on one income with no help, I can only imagine how they treat others, but if you look online, you can find many bad reviews about them. I want to get the loans paid off and then never doing business with them again!

Every time I go online to schedule a call back with the branch, nobody ever calls. They don't give instructions or have a spot to upload documents like pay stubs or ask for a work email to verify your job or pay. With COVID-19 and so many variants, they don't accept walk ins. With them not doing call backs, how do you schedule an appointment?

I applied online and was approved. I signed the promissory note and went through verification of identity, etc. I never received the funding and received a message through the online portal to contact a local branch. The Local branch was helpful, but my approval amount was drastically reduced. The branch advised me the online website operates separately and they get yelled at all the time by consumers. I declined the lower amount, that the branch offered. The Consumer Financial Protection Bureau should be made aware of their business practices. I signed loan closing documents and could never speak to anyone by phone online via email which was useless. I signed a contract agreement with Mariner and it magically disappeared. I have copies!!!!

STAY AWAY FROM THIS COMPANY! We set a payment for $600 and then forgot to change it to our minimum due. We called to request if they could refund us the difference because the $600 would put us into over draft. All we could pay was the minimum and they refused. I work for Charter and they are very understanding about overpayments. They refund the difference as long as your balance is paid. Disappointed that this company doesn’t care more about its customers. We’ve never been late on our payments. This is so upsetting, especially during the pandemic that they couldn’t do more. Highly disappointed in their response. At least the loan will be half paid off because of this payment. Avoid mariner finance at all costs. No empathy or care for their customers at all.

***STAY AWAY FROM THIS COMPANY THEY WILL RUIN YOUR CREDIT SCORE*** I RECEIVED AN EMAIL FROM CREDIT KARMA LETTING ME KNOW THAT HOW GOOD I WAS DOING WITH MY CREDIT SCORES AND THAT THEY PARTNER WITH CERTAIN COMPANIES SUCH AS MARINER FINANCE HERE IN KNOXVILLE, TN IN WHICH I NEVER HEARD OF AND TOLD ME THAT I HAD AN EXCELLENT APPROVAL ODDS WITH THIS COMPANY. AT FIRST, I WAS HESITANT IN APPLYING BUT I COULD KEEP BUILDING MY CREDIT, SO I WENT ONLINE TO APPLY AND I RECEIVED A POP-UP SAYING CONGRADLATION THAT I WAS APPROVED AND FOR ME TO PICK THE AMOUNT THAT I NEEDED AND I DID IN WHICH THEY GIVE YOU THREE PAYMENT PLANS AND AFTER I PICK THE PLAN THAT I COULD WORK WITH, I THEN WAS TOLD TO MAKE AN APPOINTMENT TO FINISH THE PROCESS, THEIR SYSTEM GAVE ME THE NEXT AVAILABLE DATE FOR THE CALL BUT THEY CALLED ME THE VERY NEXT DAY TO GO OVER MY APPLICATION. I WAS ASKED ABOUT AN ACCOUNT THAT WAS IN DISPUTE AND THEN I WAS ASKED AGAIN HOW MUCH I NEEDED TO BORROW AND I EXPLAIN TO HER THAT THEIR ONLINE SYSTEM SAID I CAN BORROW $4000. I TOLD THEM MY REASON FOR THE LOAN AND THEN I WAS TOLD TO HOLD ON, WHEN THE LADY CAME BACK TO THE PHONE, I WAS TOLD THAT I CAN RECEIVE MORE THAN $4000, SO I SAID REALLY AND SHE SAID YES AND COULD I COME IN AND BRING MY DRIVER LICENSE AND SOCIAL SECURITY CARD AND A RECENT CHECK STUB, I TOLD HER YES I DO, SO WE PLANED A TIME FOR 12 NOON BECAUSE I HAD TO BE AT WORK AT 3 PM. SHE THEN CALLED ME BACK AND ASKED DOES MY ID HAS MY CURRENT ADDRESS AND I TOLD HER, YES AND SHE SAID SHE WOULD SEE ME THEN. ONCE I GOT THERE, THE LOOK ON THE LADY FACE JUST DROPPED SORT OF SPEAK, I HAD ON MY SUIT LOOKING GOOD BECAUSE THAT'S HOW I DRESS FOR WORK EVERY DAY AS A MANAGER. SO ONE OF THE LADIES CAME TO UNLOCK THE DOOR AND POINTED FOR ME TO GO IN THIS ROOM TO WAIT, AFTER WAITING OVER 30 MINUTES I OPEN THE ROOM DOOR AND ASKED DO I NEED TO RESCHEDULE BECAUSE NO ONE TOLD ME WHAT WAS GOING ON. ONE OF THE LADIES GOT UP FROM HER DESK AND QUESTION ME ABOUT MY INCOME ON THE CHECK STUB, NOW I'M BEGINNING TO FEEL LIKE I'M BEING DISCRIMINATED AGAINST. SHE ASKED IF I WERE THE OWNER OF THE BUSINESS AS IF SHE DIDN'T BELIEVE MY SALARY AND SAID THE AMOUNT IS QUESTIONABLE AND COULD I GO BACK HOME AND BRING HER THE MONTH BEFORE THIS CHECK STUB, I WAS VERY DISAPOINTED WITH DISBELIEF. SHE THEN TOLD ME IF SHE CAN GET A HOLD OF SOMEONE FROM MY JOB TO VERIFY I WORK THERE THEN I WOULD BE SET, I JUST COULD NOT BELIEVE HOW I WAS BEEN TREATED SO TO MAKE THIS SHORT, I WAS TOLD THAT THERE WAS NOTHING THEY COULD DO FOR ME AFTER I CONTACTED CORPORATE TO SEND HER MY PAY STUBS IN WHICH CORP. DID SEND THEM BY EMAIL, THEY STILL DIDN'T BELIEVE THEM. NOW MY CREDIT SCORE HAS DROPPED BECAUSE OF THE CREDIT INQUIRY. YOU HAVE NOW BEEN WARNED TO STAY AWAY FROM THIS COMPANY. THEY WILL RUIN YOUR CREDIT SCORE!!! AND DON'T BELIEVE THESE PAID ACTORS ON HERE TALKING ABOUT WHAT A GOOD EXPERIENCE THEY HAD, NOW THAT WHAT'S QUESTIONABLE!

When you try to use their password reset, it basically says that you can't logon if you don't know your password. This is how the prevent you from paying your loan off to avoid the finance charge. These people are total charlatans, and should be prosecuted!!!!!!