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Do you think Mariner Finance, LLC is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Mariner Finance, LLC violated the law, you may be entitled to money damages and Mariner Finance, LLC will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Mariner Finance, LLC?

Mariner Finance, LLC was established in 2002. The finance company was created to provide alternative lending options and has now grown to about 500 branches. Mariner Finance, LLC is serving in 22 states across the country per its LinkedIn profile. 

Mariner Finance, LLC offers a range of loans including personal, debt consolidation, home, and car loans. The company’s personal loans range from $1,000 to $25,000. Mariner Finance, LLC is not accredited by the Better Business Bureau (BBB).

Mariner Finance, LLC’s Address, Phone Number, and Contact Information

Corporate Office
8211 Town Center Drive
Baltimore, MD 21236 

+1 844-338-2080
Monday: 9 am – 5 pm
Tuesday: 9 am – 7 pm
Wednesday – Thursday: 9 am – 5 pm
Friday: 9 am – 5:30 pm
Saturday & Sunday: Closed

Erroneous Credit Reporting 

Per the BBB complaints against Mariner Finance, LLC, customers lamented about the company’s fallacious credit reporting. According to consumers, despite accounts being paid in full and having records of their payments, the company reported them to credit reporting agencies. This has tainted the consumers’ credit reports, effectively causing their credit scores to plummet.

Cancellation Request Difficulties

Other complaints reported difficulties canceling loan insurance. On one account, the consumer narrated calling Mariner Finance, LLC’s company once every month for six months to get an update on their request. The consumer called every 20th of the month from January to June 2020 and had only been instructed to fax a form that Mariner Finance, LLC had never sent. 

Poor Customer Service

On top of the other complaints consumers had with Mariner Finance, LLC is their lousy customer service. According to reports, clients have been met with unhelpful customer representatives who have left them with questions and issues unresolved. This subpar service has caused much great stress especially for consumers whose concerns involved their credit reports.

Unfortunately, poor credit reporting, service request issues, and lousy customer relation complaints are just the beginning for Mariner Finance, LLC. The company’s customers are left wondering what options they have regarding their consumer rights.

We Fix Complaints When Customer Service Won’t

Has Mariner Finance, LLC used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Mariner Finance, LLC to listen?

A lot of Mariner Finance, LLC Corporation customers aren’t happy with their service and the Better Business Bureau lists 294 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies–much like Mariner Finance, LLC–and we turn your complaints into resolutions!

We’ll not only file your legal demands with Mariner Finance, LLC, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Mariner Finance, LLC contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results–including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches. 

Have you tried calling Mariner Finance, LLC to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Mariner Finance, LLC have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Mariner Finance, LLC will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Mariner Finance, LLC is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Mariner Finance, LLC is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Mariner Finance, LLC doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Mariner Finance, LLC don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Mariner Finance, LLC is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Mariner Finance, LLC, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Mariner Finance, LLC. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Mariner Finance, LLC doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Mariner Finance, LLC, you might try filing a complaint with the BBB or the customer service team with Mariner Finance, LLC. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Mariner Finance, LLC?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Mariner Finance, LLC

We encourage you to post your complaints about Mariner Finance, LLC. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

2 months ago
I have a mariner finance loan and am being sued in court for like 4 or 5 thousand plus attorney fees. Filed my appearance and answer already and went to my first court date already. Have a bench trial for may 23. Live in illinois. Can I get help with this? Have the maximum interest you can possibly get. They are very deceiving.
4 months ago
I have an account with Mariner Finance LLC. I have defaulted due to COVID 19 Hardship. Interest and principal now about 14k and growing. I been trying to settle with them and had no luck they continue to say I don’t qualify because I only made one payment and another payment was NSF . I told them it was due to hardship they said there’s no help for me. I filed a BBB complaint and still no assistance. On 02/06/23 I received an email stating to call them to settle for less than what I owe . When I called them again they stated they can’t help me . The rep even asked me if I filled a complaint I stated yes . She continued to go over the same info I don’t qualify for any type of assistance . I asked her why would you guys send me an email stating there’s settlement options for me. She stated those emails are part of our annual campaign you don’t qualify. I find this email deceiving. It clearly states there’s settlement options and even shows only my principal mount and it states to call . Nowhere in the email it states that I may not qualify I even read the fine print . Please see email below this is exactly what I received . Let me know if there is something that can be done . Settle for less than you owe!* LIMITED TIME OFFER FOR: ESTELA G GUTIERREZ Reference #: 200-02229 Dear ESTELA, Are you getting a tax refund? Put some of the money to good use. For a limited time, Mariner Finance is offering you an opportunity to settle your outstanding account balance for less than you owe!* This offer will expire on April 28, 2023. Please call to discuss your repayment options. Phone: 1-888-296-1002 Mon-Fri, 9AM - 5PM ET Payment Address: Mariner Finance P.O. Box 44490 Nottingham, MD 21236 Your current balance as of the date of this email is $7,906.00 Sincerely, Shirley Jackson Department Manager 888-296-1002 Facebook Instagram Youtube LinkedIn * Settlements involving forgiveness of debt of $600 or more will have a 1099-C issued. You agree that you are responsible for consulting your own adviser as to the tax consequences of settling your account for less than the full balance. This email is an attempt to collect a debt, and any information obtained will be used for that purpose. If you presently are a debtor in a bankruptcy case, this notice is provided for informational purposes only and is not an attempt to collect a debt. Please disregard this offer if you are represented by an attorney, or have previously negotiated a settlement with Mariner Finance, LLC (\"Mariner\") or its agent; are a debtor with an active or discharged bankruptcy filing for a Mariner account, or an account Mariner has purchased. Settlement terms are subject to the time limit of this offer and Mariner\'s approval. CA Residents: Loans made or arranged pursuant to a California Financing Law License VA Residents - Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114. Mariner Finance, LLC, NMLS No. 166564 Privacy Policy | Contact Us | Preference Center This email was sent by: Mariner Finance, LLC 8211 Town Center Drive, Nottingham, MD 21236 US © 2023 Mariner Finance, LLC. All rights reserved. PLEASE DO NOT REPLY TO THIS MESSAGE This mailbox is not monitored for responses. If you have any questions or concerns, you can get in touch through our contact us page. Modify your email profile or go here to unsubscribe. We respect your right to privacy - view our policy This email was sent to:ESTELA G GUTIERREZ, [email protected] Branch: 1511