Consumer complaint received 2021-03-05
Company: MARINER FINANCE, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I entered in a consumer transaction with MARINER FINANCE for replacement windows. I entered the transaction with the use of my open-end credit plan attached to my social security card and the transaction had a finance charge which the law says covered the purchase of the windows, so I disputed the alleged debt. The amount of credit extended to myself was {$14000.00} according to the finance charge and the amount financed was {$12000.00} they added them together and billed me for {$26000.00}. 15 USC 1605f ( 2 ) ( A ) states that except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended, so I disputed the debt because law is telling me the company deceiving me about credit and furnishing me deceptive forms. 

MARINER FINANCE populated their documents with information to create a false narrative that the creditor ( myself ) and the consumer ( myself ) owes them the alleged debt in question when the sum of all charges encompassed in the finance charge more than compensate for the funds they believe they are owed. Had the Finance charge been applied correctly with respect to this consumer transaction I would not have received any monthly statements for cash payments. 

MARINER FINANCE used deceptive forms to make me believe I was a barrower that had applied for a loan. 

The same forms were also used to make me believe I was not the original creditor and my social security number had nothing to do with this consumer transaction beyond identification. 

The same forms were used to deceive me into thinking they could validate this alleged debt. When in accordance with 15 USC 1692 the only one that can validate a debt is the one that created it. They did not create this alleged debt so in-turn can not validate it. I was never applying for a loan. I was extending myself credit through my open-end credit plan attached to my social security card/number. 

I disputed the validity of an alleged debt being collected by Mariner Finance. I sent them 2 Affidavits, Cease, and desist ( 15 USC 1692c ), Requests for validation and invoices. The first packet was sent on the XX/XX/2021 and the second one was sent out on the XX/XX/2021. I have still been receiving phone calls from the company and a warrant of in debt from my local courthouse after sending the aforementioned documents because they went down to the courthouse to initiate legal action against me after being notified that the alleged debt was being disputed. Title 15 of the USC 1692g states that collection activity was supposed to stop as well and any legal action until the company provides validation for the debt and the name and address of the original creditor. I have not received either of these. 

The latest harassing call from the company was received on the 2nd of XX/XX/2021. The Call came from the manager, XXXX. He told me the laws sited in my Affidavit of truth from the FDCPA, FCRA, and Truth in lending was just internet XXXX and his legal team told him to proceed with legal action, and phone calls. He also told me he already has a lien on my home and wanted to know if I was going to be in court on the XXXX because he wants to get more. Where I am going to be on a date in time is my business, but he is still violating my right to privacy.

Company response to consumer: Closed with explanation