Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
My Mariner Finance loan disappeared from the online portal around XX/XX/year>, shortly after I made a {$210.00} payment on XX/XX/XXXX. When the portal went down, all loan informationbalance, payment history, delinquency status, and documentsvanished. The system showed no active loan, leaving me with no ability to verify what I owed or make any payment at all. 

Despite the system failure, my vehicle ( collateral for a ~ {$3000.00} personal loan ) was repossessed on XX/XX/year>, with : No written notice of default No right-to-cure letter No notice of intent to repossess No post-repossession notice Before and after my recent payment, Mariner contacted me multiple XXXX per day, but the calls were sales-driven. Instead of providing clear delinquency information or resolving the portal malfunction, representatives repeatedly attempted to sell me refinancing or new credit products tied to the delinquency. Their outreach did not include required noticesonly sales pressureso I stopped answering because the calls were confusing, unhelpful, and unrelated to the core issue. 

When I did speak with a representative to report that I could not access my account, she became audibly upset, attempted to transfer me to a manager, and the call disconnected. I never refused to payI only stated that I could not make a payment until the portal was restored. The alleged past-due amount was approximately XXXX monthly payment ( ~ {$180.00} ). I could not confirm this because the portal had erased all data. 

The repossession occurred while their system prevented me from viewing or paying the loan, and without providing any of the legally required notices before or after the repossession. After the repossession, my account still shows no active loan, no documents, and no payment history. 

I submitted a written request for : Full payment history Delinquency and default calculations All required notices Repossession authorization Repossession company details Servicing logs showing the portal outage Internal servicing notes Explanation for why my account disappeared Mariner has not provided any of these documents.

Mariner also calls me multiple times per day under normal circumstances. However, the moment the repossession occurred and I sent a written demand for documentation, the communication stopped, after repossession I heard nothing. I will note that I asked them recently to give all communication in an email for a " XXXX XXXX '' but communication abruptly stopped after informing them on the phone about the portal being out. Still have yet to hear about my vehicle being repossessed from them in writing. I had to call the non emergency line to confirm that my car was towed and not stolen. This sudden silence is highly unusual and concerning. 

This situation appears to involve : Wrongful repossession Failure to provide mandatory UCC pre- and post-repossession notices Servicing system errors/suppression of account data Unfair and deceptive practices Using delinquency as leverage to push new credit products Failure to maintain accessible account records Failure to provide required documentation when requested Requested resolution : I am requesting regulatory investigation, full restoration of my account data, return of my vehicle, elimination of the remaining loan balance, and compensation for wrongful repossession and loss of use.

Company response to consumer: Closed with explanation