Vehicle loan or lease -- Struggling to pay your loan -- Complaint #4499913
Complaint Overview
Complaint ID: 4499913
Company: Mariner Finance, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Problem after you declared or threatened to declare bankruptcy
State: Maryland
ZIP Code: 21044
Date Received: 2021-06-28T12:00:00-05:00
Date Sent to Company: 2021-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.
Frequently Asked Questions
What is Complaint #4499913 about?
Complaint #4499913 was filed against Mariner Finance, LLC regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2021-06-28T12:00:00-05:00.
How did Mariner Finance, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Mariner Finance, LLC?
Yes, visit the Mariner Finance, LLC company profile at readthecomplaint.com/company/mariner-finance-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.