Marine One Acceptance Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 305XX	Web
Excessive calls and e-mails, even when you have spoken with Marine One and they have notated the account. They threaten to repossess if you dont pay in full after youve already made an arrangement. They are not applying overpayments to the principal of the loan when weve requested numerous times to apply over payment to the principal. They are taking on fees to decline card transactions, even if we pay with the same card on the same day because our bank flags this companys processing as fraud. So we have to verify the transaction and reprocess. The harassing phone calls and people showing up at my house when my account is only XXXX or even 30 days late. As soon as you are one day they are blowing up emails and phones threatening to recall the loan. They will send your account back and forth between your account representative and recovery and they dont communicate with one another. Loan documents state as long as the payment is made within the month you are not considered past due but they will blow up your phone the first day you are out of your due date and it doesnt matter if you have spoken with them they will continue to call and email every day until you process a payment. They lie and tell you one thing and then do another within just a couple hours. Ive never dealt with such an unorganized company in my life. Not apply payments and the relentless phone calls is outrageous!
08/04/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	SC 296XX	Web
On XX/XX/XXXX an Affidavit of Truth was sent to Marine One Acceptance Corporation stating facts pursuant to the Truth in Lending Act. I, natural person and original creditor, issued my social security card and entered a consumer credit transaction with Marine One Acceptance Corporation on XX/XX/XXXX. Pursuant to 15 USC 1605 ( a ) a finance charge shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction ''. A finance charge of {$7900.00} was credited. An illegal cash down payment of {$4200.00} was also taken which pursuant to 15 USC ( a ) should be included in the finance charge. Due to these facts and pursuant to 15 USC 1666, Marine One Acceptance Corporation mailed affiant statement dated XX/XX/XXXX containing billing error in the amount of XXXX XXXX XXXX and XXXX/XXXX ( {$830.00} ). All of this was stated in the attached Affidavit of Truth. Marine One Acceptance Corporation did not respond with a rebutted Affidavit, but responded with a copy of the Security Agreement and sticky note on XXXX XXXX. Pursuant to Morris v. National Cash Register Co., 44 S.W.2d 433 uncontested allegations in affidavit must be accepted as true ''.
01/23/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75098	Web
Loan was paid off on XX/XX/2020 I received the clear title in the mail on XX/XX/2020 Marine One debited {$200.00} from my bank account on XX/XX/2020 I called them on XX/XX/2020, it took 3 calls before anyone would answer the ringing phone. Spoke to XXXX who said it was my responsibility to cancel their scheduled payments. Was not apologetic at all, after I said I didn't like her attitude and wanted a supervisor she changed her tune ( and tone of voice ). Said she would cancel any future payments. I still wanted to speak to her supervisor - after holding for 5 minutes XXXX got on the phone and basically said the same thing. It was our fault that we didn't cancel their autopayments. I ended up disputing the transaction with the bank and now I an reporting their poor business practices here. I don't see how you can do anything but I want to warn others to STAY AWAY from Marine One Corporation.
01/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89178	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78626	Web	Servicemember
I had a camper loan from Marine One. This account was charged off in XXXX. A hard credit inquiry was completed on my credit in XX/XX/XXXX by Marine One. I did not apply for new credit from this company .I do not understand why Marine one would check my credit.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73009	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77662	Web

11/03/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VT 05450	Referral

09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77054	Web

09/08/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76963	Web

08/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95683	Web

04/29/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85140	Web