Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Re : XXXX XXXX Violation inaccuracies under deleted disputes. This account has a charge off status and a monthly balance. Please remove in accordance with FCRA and XXXX XXXX guidelines. 

Mariner Finance violated my credit under the following : 15 U.S.C 1681s-2 : data furnishing wrong account status, balance owed after charge off status, last payment date, last payment made, double charged off status XXXX and recharged off again XXXX. 

15 U.S.C 1681i : Ive disputed and re-requested investigations XXXX XXXX XXXX XXXX  the major the credit bureaus XXXX XXXX with this account on XXXX XXXX since XXXX. And every time they failed to correct or Remove this account!. 

* XXXX XXXX Violation reporting to the major credit Bureaus. Which insures Compliance with the Fair Credit Reporting Act ( FCRA ) providing Accurate, consistent, Timely Data on XXXX XXXX, accounts, payments, and disputes. 

This Account is showing Charged off, but still has a balance due and reports monthly on my credit report and has been reporting late payments for the last 6 years since XXXX. 

This is a XXXX XXXX violation because Mariner Finance the original creditor, has already written the debt off in XXXX. This debt can not also be past due as it violates the XXXX XXXX violation. 

Mariner Finance has been furnishing incorrect data on My credit reports for XXXX years causing inefficiencies across my credit report and reporting it to the majors reporting bureau as such. 
Inaccuracies under the FCRA has to be Deleted. 
They must be permanently removed! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Re : CEASE AND DESIST Account XXXXXXXX XXXX  This letter is a formal notice pursuant to the Fair Debt Collection Practices Act and applicable state law. 
I hereby demand that Mariner Finance CEASE AND DESIST all telephone calls, text messages, field monitors- tailing through cell phone locations and other indirect contact with me regarding the above-referenced account. All future communications must be made in writing only to the address referenced above. 
Violations : A ) XXXX XXXX reporting, B ) 15 U.S.C 1692 fair debt collection Practices Act I request validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act Please provide the following : XXXX. A copy of the original signed contract or loan agreement. 
XXXX. A complete itemization explaining how the balance increased from the original charged off {$2400.00} year XXXX to {$3500.00} year XXXX and {$8400.00} year XXXX XXXX. Documentation and copy of an original XXXX, XXXX. Proof of your legal right to collect this debt After 100 % tax write off, Authorizing additional interest and fees after charge-off year XXXX. 
XXXX. The date of XXXX  delinquency reported XXXX days year XXXX. 
Pending validation, I dispute the validity of the reported ( A ) balance and ( B ) last payment date reported and ( C ) the charge off amount reported which differs from the original charge off amount of {$2400.00} in XXXX. ( D ) Charged off XXXX {$3100.00}. 
I request that all collection activity cease. 
This request does not constitute acknowledgment of the debt, nor does it waive any rights. 
Failure to comply may constitute violations of federal and state law. 
Sincerely, XXXX XXXX XXXX : CFPB ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX MARINER FINANCE XXXX Town XXXX XXXX XXXX XXXX MD XXXX XXXX : CEASE AND DESIST Account XXXXXXXX XXXX  This letter is a formal notice pursuant to the Fair Debt Collection Practices Act and applicable state law. 
I hereby demand that Mariner Finance CEASE AND DESIST all telephone calls, text messages, location field monitors ( trailers ) and other direct contact with me regarding the above-referenced account. All future communications must be made in writing only. 
I am requesting validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Please provide the following : XXXX. A copy of the original signed contract or loan agreement. 
XXXX. A complete itemization explaining how the balance increased from the original charged off {$2400.00} year XXXX to {$3500.00} year XXXX and {$8400.00} year XXXX XXXX. Documentation and copy of an original XXXX, XXXX. Proof of your legal right to collect this debt After 100 % tax write off, Authorizing additional interest and fees after charge-off year XXXX. 
XXXX. The date of First delinquency reported XXXX days year XXXX. 
Pending validation, I dispute the validity of the reported ( A ) balance and ( B ) last payment date reported and ( C ) the charge off amount reported which differs from the original charge off amount of {$2400.00} in XXXX. 
I request that all collection activity cease. 
This request does not constitute acknowledgment of the debt, nor does it waive any rights. 
Failure to comply may constitute violations of federal and state law. 
Sincerely, XXXX XXXX XXXX : CFPB ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX : CEASE AND DESIST Account XXXXXXXX XXXX This letter is a formal notice pursuant to the Fair Debt Collection Practices Act and applicable state law. 
I hereby demand that Mariner Finance CEASE AND DESIST all telephone calls, text messages, location field monitors ( trailers ) and other direct contact with me regarding the above-referenced account. All future communications must be made in writing only. 
I am requesting validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Please provide the following : XXXX. A copy of the original signed contract or loan agreement. 
XXXX. A complete itemization explaining how the balance increased from the original charged off {$2400.00} year XXXX to {$3500.00} year XXXX and {$8400.00} year XXXX XXXX. Documentation and copy of an original XXXX, XXXX. Proof of your legal right to collect this debt After 100 % tax write off, Authorizing additional interest and fees after charge-off year XXXX. 
XXXX. The date of XXXX  delinquency reported XXXX days year XXXX. 
Pending validation, I dispute the validity of the reported ( A ) balance and ( B ) last payment date reported and ( C ) the charge off amount reported which differs from the original charge off amount of {$2400.00} in XXXX. 
I request that all collection activity cease. 
This request does not constitute acknowledgment of the debt, nor does it waive any rights. 
Failure to comply may constitute violations of federal and state law. 
Sincerely, XXXX XXXX XXXX : CFPB ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX )

Company response to consumer: Closed with explanation