Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

I have a current loan with Mariner Finance at their XXXX IL location. I have had a few loans in the past with XXXX who was then bought out by Mariner Finance and all of my loans have been paid on time, as my other loans and credit cards are as well. I fell behind a couple of payments right around XXXX of 2021 as I had to have emergency XXXX XXXXXXXX which my health insurance did not cover and had to pay $ XXXX out of pocket, as I could not get a loan. Due to this I fell behind a couple of payments. I kept in contact and was treated rudely by the workers so contacted your office, then the corporate office reached out to me only because I contacted you. They did not offer me any help, like refinancing the loan to get me current and thereby allow me a little time to get back on track, but instead accepted only a promise to get their account current by today. They automatically start threatening to sue you if you are even late by a few days. I work for the State of IL XXXX, have a secure job, have been there almost five years, have not been late on any payments, but my tax refund did not come yet, even though I thought it would be here as I filed early as usual, they accepted it electronically and it is a simple return. The IRS is incredibly slow!! I contact them and sit on the phone for hours then the rep that answers says they can not look up my account, don't give them private information, they can't help with this and that and basically everything as they work from home, then has the nerve to ask me " What they can help me with and did they meet me needs ''. It is insane. So, I can not come up with this money the {$1600.00} they show I am behind now, in fact I can't even make a payment after paying my rent and utilities, gas and groceries which have tripled in cost! I need for them to refinance the loan to get me current or to stop all interest on the loan and give me a payment plan that I can pay ( one payment monthly starting XX/XX/XXXX ) until it is paid in full. It is not going to hurt then to refinance it to get me current and back on track, if they want their money they need to work with me. I am not trying to avoid paying my payment but can not not pay my car payment, rent, utilities, gas and food to do so, or I will not have a job and be living in my car!! I reached out to their corporate office and got voicemail and left a message explaining all at XXXX this morning and told them I need to refinance the loan and help with getting it caught up and wanted to pay it, then asked them to call me today, but no one is returning my call. This is how they respond both at the local office and corporate until they hear from you!! Please make then follow the laws and work with me to get my loan caught up so I can pay it as agreed. I am a twice widowed mother and have no financial help but do have a good income and just need some help with getting it current and moving forward. I am off work today only due to the ice storm and my two hour a day commute, so this is a good day for me to resolve all.