Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (OH)

I refinanced an installment loan in XX/XX/XXXX and fell behind on payments due to financial hardships and was going through a very difficult time in my life. I recieved a notice in the mail that a judgement was granted Against me in the amount of {$2700.00} from missed payments on this installment loan. I did not receive an option to appeal just the judgment results i but did receive a notice of garnishment. I called Mariner Finance and spoke to the office manager XXXX and agreed to make payments to avoid garnishment I begin making payments in XX/XX/XXXX. I continued making payments Until approx XX/XX/XXXX to avoid garnishment with the last one being XX/XX/XXXX. I missed a payment in XXXX And did not receive a notice that my payments would be garnished due to that failed one missed payment. My wages began to be garnished without any appeal option on the original amount of the judgment of {$2700.00}. I attempted to contact Mariner Finance and send them a final check of the {$200.00} and some odd odd cents that I owe them. My wages continued to be garnished with a total amount completed just with garnishment of {$2800.00}. I never received any of the money back/any of the money back that I had paid to avoid garnishment which totaled Over {$2600.00}, and when I called the company Mariner Finance I was met with just pure nastiness and disrespect from the manager stating that this was all my fault and Im the one who didnt make timely payments. I contacted the lawyer for mariner finance previously when I mailed him a check of the approx {$200.00} final balance in which was returned to me before wages were garnished and called their central office who referred me to their attorney again but said that they did not have a phone number for him. So my wages were garnished with the total amount completed and XX/XX/XXXX of XXXX in the amount of {$2800.00}. I thought that this was all over even though I was upset that they had taken the money that I had paid to avoid garnishment and pocketed it, but was just glad that the garnishment was over. I then received another garnishment notice for the same loan that has been paid off in the amount of {$160.00} which was completed XX/XX/XXXX. I attempted to file an appeal with the court and when I went down there the secretary told me it was probably just finance charges and she wouldnt even mess with it that because the balance is so low just pay them off and be done with it. So they took that garnishment of {$160.00}. I received yet another garnishment for the same loan and XX/XX/XXXX in the amount of {$1000.00} and that garnishment was completed on XX/XX/XXXX. I did file in a peer appeal but did not receive a court notice in the mail so they proceed to yet again garnish my wages. So my wages have been garnished three separate times for this one loan. I have documentation of my payments that will be attached. I also have their conflicting payment information that has different amounts and balances to different credit reporting agencies that do not concur with the same balances that I would find when I would log onto my account. they are reporting to the credit companies that I still owe them {$700.00}. I have paid them more than {$3000.00} over the fees in interest charged on the original loan and garnishment. Even on the court orders in the 3 different garnishments the finance company has a different amount due. This company continues falsifying documentation and has committed theft. Again I have the original loan documentation and all the wage garnishments that total more than the amount of the total loan with interest and fees over the last three years and they did not deduct the payments I made to avoid garnishment. On their website I do not even have a payment due until XXXX of XXXX which isnt correct either because this is been paid off and theyre stealing my money. I have disputed this with the credit bureaus multiple times unsuccessfully. Mariner finance continues falsifying payment information. And if someone from the credit beureo wouldve taken the time to calculate the payments you can clearly see that theres no balance due but yet yesterday they reported I still had a {$700.00} balance. I have paid over {$7200.00} to Mariner Finance when they total amount on the original loan with interest is {$4800.00} at a 30 % interest-rate. Im not sure if Im eligible to file criminal charges but I intend on talking to a lawyer soon to receive compensation for all the troubles This has caused me.