Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
In XXXX XXXX, i co-signed on a friends loan. Her credit wasnt good enough on her own. I put my motorcycle up for collateral. I did not want to do this unless there was some insurance if my friend lost her job and couldn't pay the loan. We were offered unemployment insurance from mariner finance which we purchased and paid for. My friend lost her job in XX/XX/XXXX due to no fault of her own and submitted her proof of unemployment insurance through the state of indiana, which she received. She submitted her unemployment information and supposedly mariner filed the claim. My friend was informed her insurance claim was denied. How could they deny that with proof from the state? She was told it was because of medical reasons? There is no medical issue! She was offered no opportunity or evidence of any appeal process which was available. XXXX asked for this after she found out on her own. Then Mariner sent her XXXX forms. We bought unemployment insurance, not XXXX insurance once again. We feel mariner never submitted the claim, or maybe the unemployment insurance was a facade just to get more money and maybe it doesnt exist. We will get to the bottom of it! All the while suing us in court. Neither of us received paperwork from the court so we were unaware of the suit. Mariner entered my address for the suit incorrectly. After they got judgment against us, they got the address right and i was informed to be in court for wage garnishment? Convenient right? We submitted letters to the court and hope they give us a chance to fight this. All mariner had to do was submit the unemployment information. Seems cut and dry to us. There is no medical issue. My friend lost her job, it was not her fault and she got unemployment from the state of Indiana. We bought unemployment insurance. We don't understand all the medical/disability talk. All we wanted was what we paid for, for the loan to be taken care of, which it should be from the insurance company, and my motorcycle title back. Now we are forced to have to file a suit against them. My friend submitted a complaint also and they sent info showing where the insurance was denied for medical reasons? We bought unemployment insurance. Not XXXX. Again! They have harassed my friends mother about our loan. They have sent people looking for us at other peoples homes. That is not legal to go after people who have no business with our loan. Steer clear of mariner finance. Just look up all the complaints and class action lawsuits against them. They are there for a reason. We hope the court gives us a chance to sue them for all this unnecessary stress and worrying. Its really taken a toll on us, and even her sick mother who they called repeatedly for us. Very stressful and unnecessary. 

In closing, a summary of events. We bought unemployment insurance. We filed an unemployment claim and submitted all the necessary documents from the state of indiana granting my friend unemployment insurance. We were told the claim was denied because she lost her job for medical reasons. Wrong. She was wrongly let go from her job. Period. She got unemployment. We received nothing. My friend asked for information and the process to file an appeal. She was sent XXXX forms. Then we were sued. We received no notice of the suit. I only received paperwork stating they were awarded default judgement because i was never informed of the suit. They purposely sent that info to the wrong address until judgement was granted in their favor. My friend submitted a complaint and they sent a letter once again stating that the insurance was denied for medical reasons and that we can not be reached. Wrong, they only reach out when it benefits them. We are now in the process of suing them and hoping the court will give us a chance to dispute their false claims. Thanks again!

Company response to consumer: Closed with explanation