Consumer complaint received 2022-01-22
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX Could CFPB please notify the Mariner Financial Corporate Office, Mariner Finance , LLC, XXXX XXXX XXXX XXXX, XXXX, Maryland. XXXX. XXXX XXXX believed CEOs name. 

This is a courtesy, so the CEO is aware, there appear to be numerous federal loan violations. This involves XXXX, CA XXXX XXXX XXXX XXXX Branch, XXXX, XXXX, XXXX, XXXX Main ManageXXXX, as well as XXXX Branch. XXXX XXXX, an Assistant Manager received emails, shared with media and newspapers, as well as Banks. XXXX XXXX, affiliate of XXXX, just sent out a {$58.00} M Settlement Article on Plaid, which is an APP for lending businesses. Point being, settlements are awarded when there are violations in fair lending practices, truth in lending, federal non-compliance. 

MAIN OBJECTION IS DECEPTIVE PRACTICES. CHECKS FROM XXXX BRANCHES, XXXX MILES APART, ARE SENT TO XXXX DIFFERENT ADDRESSES LIKE MINI EQUITY LINES. THE CHECKS ARE DEPOSITED, CLEARED, FUNDS USED. XXXX SENDS A BILL, {$110.00} IS PAID. XXXX DOES NOT. ONE INQUIRES XXXX IS THE XXXX BILL. THIS IS WHEN XXXX COMBINES THE TWOMUCH HIGHER INTEREST RATETAMPERS WITH THE CONTRACTUAL ACCEPTANCE PAYMENT OF {$110.00}, NO PERMISSION. 
THE PAPERS ARE NOT SIGNED. 
CLIENT COERCED INTO ACCEPTING THE NEW CONTRACT LOAN OR IF NOT TO OBJECTMARINER CAN STOP PAYMENT LONG AFTER CHECKS HAVE CLEARED WHICH MAY BE UNLAWFUL AS IT CAUSES NEGATIVES, WHILE FORCING/COERCING NEW LOAN PAPERS AND HIGHER INTEREST WHICH MAY EXCEED REGULATORY STANDARD. 
NON ACCEPTANCEA CHECK FOR {$200.00} XXXX XXXX ISSUED XX/XX/XXXX, HAS NOT BEEN DEPOSITED AS THERE IS OBJECTION ON THE APPROACH. BASICALLY, LONG AFTER MARINER CHECK HAS CLEARED, WAS USED TO PAY YEAR END BILLS, TO PAYEES, MARINER ( XXXX ) STATES THAT THE MARINER CHECKS CAN BE STOPPED MONTHS LATER. PLEASE KNOW BANKS ARE INFORMED, XXXX, SENIOR PROTECTION ATTORNEYS, MEDIA TO KEEP WATCH ON THIS TRUTH IN LENDING, FAIR LENDING PRACTICES ARE IMPORTANT. THE CEO AND PRESIDENT MAY WISH TO CONSULT WITH THE BANKING EXECUTIVES XXXX ISSUES MARINER CHECKSAS THIS PRACTICE OF STOPPING PAYMENTS ON CHECKS LONG AFTER THE CHECKS CLEARIS BELIEVED TO BE HIGHLY UNLAWFUL FROM THE PERSPECTIVE THAT IT WILL BOUNCE PAYMENTS AND WREAK HAVOC IN BANKING CUSTOMERS ACCOUNTS, AS WELL AS THE PAYEES. THE PRACTICES MAY BE HIGHLY UNLAWFUL INSOFAR AS ELDERLAW PERSPECTIVES. OUR FAMILY PROTECTION TRUST AUTHOR/ATTORNEY IS THE XXXX US SUPREME COURT , US SUPREME COURT JUSTICE ( LATE ) XXXX XXXX XXXX XXXX XXXX EXCELLENCE AWARD WINNER. XXXX MARINER FINANCIAL IS POSITIVE TO HAVE BUT DID NOT EXPECT THE DECEPTIVE TWIST INTO THE NEW LOAN PACKAGE WITH CONCERNS THAT XXXX XXXX PAYMENT COULD BE STOPPED. 
THIS IS COERCION IN XXXX. 
( XXXX ). SHOULD NOT BE IN THIS PREDICAMENT, AS TOTAL VALUE OF $ XXXX TO $ XXXX IS EXPECTED TO BE RETURNED TO FAMILY PROTECTION TRUST FROM CORRUPT PRACTICES, INTERFERENCE, EMBEZZLEMENTS, GRANT DEED FRAUD ATTEMPT, STEAL AND PURLOIN 1639 18 USC 641, MISCONDUCT AND FRAUDSANTA XXXX XXXX OFFICE OF THE LEGAL COUNSEL, XXXX, HAVE VERY SERIOUS USDJ/FBI FILES. XXXX TAX CODES CAN OVERRIDE LOCAL GOVERNMENT IMMUNITY CLAUSES AND HOLD ACCOUNTABLE THE AFOREMENTIONED. US FEDERAL JUDGES ASSOCIATION ARE INFORMED. 
INTERFERENCE IN XXXX, SHOULD NEVER HAVE HAPPENEDFPT NATIONAL EXPERT ATTORNEYS WERE LEGALLY COMPLIANT-COULD NOT BREACH ESTOPPEL. MARINER CHECKS WOULD NOT HAVE BEEN USED IF THERE WAS NO INTERFERENCEUSDJ/IRS TAX CODES CAN COUNTERACT WITH EMBEZZLING, STEAL AND PURLOINMISCONDUCT WHICH VICTIMIZED SENIORS AND XXXX WITH XXXX DISABILITIESONLY TO CAUSE THIS TWIST OF LOAN DECEPTION AT MARINER ( XXXX ) XXXX 

I AM INTENDING ON PAYING THE MARINER LOAN OFF AS SOON AS FUNDS FROM THE AFOREMENTIONED OR OTHER LEGITIMATE FUNDS EVOLVE, HOPEFULLY SOON. 

THE CEO OF MARINER FINANCIAL SHOULD BE MADE AWARE THAT THE PRACTICES USED BY THE PERSONNEL IN XXXX, CA POSSIBLY WITH XXXX XXXX XXXX LOCATION IN COOPERATION IS BELIEVED TO BE A CLASS ACTION WAITING TO HAPPEN, BOLSTERED BY SENIOR ELDERLAWS AS WELL AS, OUR FAMILY PROTECTION TRUST HAS XXXX WITH XXXX DISABILITIES, ( DDT ROOT CAUSE AS BELIEVED ). 

POINT BEING, ANY POTENTIAL VIOLATION CAN CARRY HIGHER SETTLEMENTS BECAUSE PROTECTED CATEGORIESSENIORS AND XXXX XXXX, COULD BE PERCEIVED AS BEING TAKEN ADVANTAGE OF IN THE FAMILY PROTECTION TRUSTs ESTATE OF WHICH I LEAD, WHICH IS A MULTI MILLION DOLLAR ESTATE. 

THANK YOU FOR YOUR REVIEW.

Company response to consumer: Closed with explanation