Consumer complaint received 2021-12-29
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell behind on my loan with Mariner Finance due to having to have an emergency XXXX XXXXXXXX and also due to inflation and my bills. I am a twice widowed mother living on one income and paying all alone. I work for the XXXX XXXX XXXX XXXX XXXX XXXX and barely getting by, in fact NOT getting by when an emergency comes up. On top of this someone broke into my house right before XXXX and stole all items I was using for collateral on the note, all of which were old anyway and not worth much. Anyway, I fell behind two payments and kept in contact with Mariner, returned every call. The last time I talked to them was just a couple of days ago, my mother was right here listening to all! I told them I could not make the full payment to get caught up of {$800.00} until my second payroll check in XXXX, so on XX/XX/2022 but I would pay the full {$800.00} then and get caught up and I have never been behind with them or anyone else except right now and have had several loans with them and XXXX whom they bought out!! They said that would be alright but that it would hurt my credit rating on my credit reports. I am only paid two times a month working for the XXXX and my next check has to pay my rent and car payment or I will be living in the street and have no way to get to my job two hours round trip away to make money!! They are just being XXXX!! Then today they send me the attached letter harassing and threatening me and demanding I pay them the full loan now or they will sue me!! This is harassment and I want it made clear to them to CEASE AND DESIST ALL CONTACT WITH ME, MY FAMILY, MY EMPLOYER OR ANYONE I KNOW!!!! They are crazy and unstable, and they are also not to come to my home, or I will have them arrested if they do or get my XXXX out and protect myself!!!! XXXX!! They could not wait two weeks for the payments this is intentional!!!! Pull up " Lawsuits against Mariner Finance and complaints against Mariner Finance and pull up the XXXX listings '' they are a bunch of crooks charging poor people and widows like myself usuary interest rates, then intentionally harassing and suing all for the money so they can pad the bill more!!! I want the law enforced on them. I have also filed complaints with the FTC and have contacted Joe Biden and Barack Obama along with many republicans I know. XXXX XXXX and the Wallstreet bankers are the ones running this crooked operation and I want it shut down NOW!!!!! I am insolvent, so they can sue me all they want, you can't get blood from a turnip! I am the one who will be suing them for harassment, and I want your office to enforce the FDCPA and FCRA laws on them!!!! The only hope they had was to be patient and let me make the payments as promised, they have never helped me or allowed me to be late. I have an excellent pay history with ALL of my creditors, these XXXX are just that XXXX!! They are evil!! You will understand when you read the reviews about the online. You let them know they can only contact me by letter going forward and if they want their money they best XXXX XXXX, back off and wait until I can make the promised payments. I won't be bullied and will find some in government to bully them right back and will file charges against then for the same and put them in jail! I know most of the police force, including the state police as I worked for the XXXX as a XXXX XXXX for years. I know lots of people. Make them follow the laws!!!

Company response to consumer: Closed with explanation