Consumer complaint received 2022-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NY)

so in late XXXX  of XXXX i crashed my car and needed to get together a decent chunk of money to get the ball rolling on my new vehicle purchase, which needed to be done ASAP since i rely on my car extensively for work and personal purposes. being strapped for other options i looked into loans (having already received one from Mariner FInance in XXXX) again as much as i didnt want to. After looking at what XXXX XXXX  said was a guaranteed approval i received a call from Mariner FInance in probably 5 miuntes.. They started their spiel only to stop themselves noticing i already had an account and asked if id like to increase my current loan amount because i was in near perfect standing with payments so i qualified to do so....Thought about it on Friday night at work XXXX XXXX XXXX and they reached back to me the following morning....having no other options i decided to go ahead with the appointment set for monday  the XXXX. 

now its monday XXXX XXXX  im still second guessing this and running late the the appointment they call twice and i told them i would be there ASAP having gone to the XXXX  i XXXX to get it ready for dinner service. i arrive maybe a half hour late and they brin me into the room in the center of the office shut the door and they already have stuff set up for me just need to get some signtures. so they ask things like do you have any changed assets from your original list of valuables this was an unsecured loan initilaly when i got the first loan in XXXX of  XXXX  (not anymore obviously if my car got wrecke) only had to take my car off the list of valuables, asked if it was a loan for a car obvioisly i just said that. and chaged my address okay filled all of this out and they said theyd print me up a copy and itd be all good to go and hand me acheck....so they do.....fast forward to XXXX. im having difficulty paying the oan on top of my car loan itsself and other things....they take note and helped me a little bit that month...then XXXX  same thing and they started to call asking for payments and i would say ok auto deduct it from this account and werer good so they do that...well apparently i didnt find out untilend of may beginning of XXXX  that i had missed any payments...i was so busy with XXXX XXXX that i literallysome how missed payments beign taken out ofmy account and receiving overdraft fees but then having the withdrawals returned it looked no different to me....i thpught theloan was paid.....nope i was wrong now iits end of XXXX  and i get an ugly call from Mariner saying in essence im lying theyve been trying to get ahold of me for months i do not recal or have any missed calls or anything from them....and this last call only came after i recevied a letter in the mail saying its going to be going to an attorneys now..confused i wiated for them to clal me at this point they said i could pay for the whole loan off and thats it...they refused to take an partial payments no matter the amount. so they said our lawyerrs will be handing this now have a good day. 

furioius i went trough and searched for the updated contract..they hid under neath all the paperwork i updated paperwork that i did sign yes but absolutely did not have a chance to read thoruoughly because  NOONE not once told me that my original loan would actually be closed and that a new loan would be opened and then id be given essentially a new loan for the larger amount....but only receiving a check for the difference....thats odd, and how is this legal at al?!? 

So no only doesmy credit get affeced by them closing an account but then they do another inuiry on me and then open another account or a larger sum. but i only have been given much less and now a new account with ZERO credit history to be used in case something such as missing a payment or partial payments etc. instead it looks like on my credit report that the account was just closed in XXXX  abruptly and. a new one opened that same month. and actually now looking back at my history it says my initial loan was secured....i have no idea what would have been secured as collateral as i had nothing to offer up and they knew this thats why i chose them in XXXX  because it. was unsecured...

so XXXX  XXXX  account closed saying it was secure loan just says closed
XXXX  XXXX  account opened up to date having only 1 payment on it updated on XXXX XXXX  but theres nothign on my credit report until almost XXXX  about it now showing an original balance of XXXX  and a new balance or $XXXX  more than the XXXX  balance..... why was this not continued as the original loan as to preserve credit history and ability to receive help in case of payment porblems?  and how come it was missing from my reports for a month and i cannot get an aanswer from them otehr than you signed the paperwork but were givign you to our lawyers now.....now that phone call was in end of XXXX  maybe first week of XXXX .... i get a cal from the attorneys office stating i am being sued by them and i will be recevings papers shortly...about 2 wees goes by its now middle XXXX  and i get a guy serving me papers from them....i did not answer the door nor take any of the paperwork he tried to leave i said he needs to get off my property and to leave his firearm in his car while he retrieves teh paperwork. refused to comply to that. now i get a lettter in the mail on the firs monday  in XXXX. dated for XXXX  XXXX? stating i was to report to court by XXXX XXXX or something....and if i want to file somethign or other i must do it before XXXX  date...but the only issue is the orignal letter was dated for early XXXX then the mail was stamped in late XXXX  AFTER the court date had already passed.  and im pretty sure the guy came about a week after the initial clal with lawyers. so as to gie me about a week for anything. but my refusal to accept any parperwork from him should not be delaying in any credit or bankruptcy litigation  speed of service....so how was this now new creditor (their attorney) able to harrase me like this so quikly then immediately sue me for the money? his excuse poor credit history with the loan and the ammount borrowed....THEY closed the account and THEY ade it a new one and MADE it seem like i had no credit history now because THEY KNEW iwas in a pinch and that i would not be able to make payments epecially so after i told them i wouldnt be in XXXX  id need help to.

i know this is a huge what eems rant but i have no other way to get my point across or to try and get my story to the right people to help me. and because of thi my credit dropped over 200 points because of this situation adn then cuased me to start missing other payments so MARINER FINANCE is the big name thing i guess i have al the contracts etc if needed.