Consumer complaint received 2020-07-31
Company: MARINER FINANCE, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lost my job last XXXX reached out to mariner finance for Assistance and the manager refinanced my loan to lower my monthly payment. I anticipated unemployment however the company fought me due to the means of my separation so unemployment was denied with repeated attorney assistance to overturn that decision to no avail so I had no income since last XXXX and then the pandemic hit. All the while I have been in constant contact with the branch manager at mariner finance explaining my situation. Today I received a phone call from the district manager who claimed he was only calling to try to resolve this matter and that he had to make a decision today. As I explained that Im having trouble putting food in my XXXX  mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. As I explained that Im having trouble putting food in my childs mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. He became extremely forceful telling me that I needed to make a half payment today or at least by Friday as he would be making a decision to pursue this and get an attorney involved and put a lien on my home and start the collection process which he stated would be adding excess fees on top of the balance that I owe. He told me this will get very costly and that he will get his money one way or another verbatim. I explain to him that all the other organizations under this pandemic act have worked with me and understood my situation. He talked over me would not let me answer him was very forceful de meaning, intimidating, and threatening which I relate to him several times. Are used to be in collections and understand collection practices and procedures and I also understand that there is a pandemic that none of us have ever experienced or know how to deal with but this type Of collection practice of this organization allowing a divisional manager to call and use intimidation harassment and demeaning to a single mom that has no job no income and no chance of getting back to work anytime soon that he was going to take her home put a lien on it so it wouldnt sell as he put it ver batum. This is a legal with this company is allowing I am under this protection act and I do want action taken thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation