ALTERED WEB STUDIOS

Please rest assured that I, along with the rest ofMarlin, take customer complaints very seriously Everyone at Marlin endeavors to give all ofour customers the best experience possible.Please accept thisletter in response to Revdex.com Complaint # [redacted] submitted by [redacted] shall on behalf of [redacted] (hereinafter “***)regarding the above referenced commercial equipment Lease In Mr [redacted] letter, he questioned MarlinLeasing Corporation’s (hereinafter “Marlin”) collection practices [redacted] Lease payment due date is the first day ofeach monthAs of today, Marlin received twenty-one late payments on the ***leaseOut of the twenty-one late payments received eighteen of the late paymentswere received more than twelve days after the due dateOne of those, theDecember 1, payment, was actually sixty days delinquent before payment wasreceivedMr [redacted] states that the loan is not sixty days past dueMr[redacted] is correct that as of today the account is not sixty days past due***made a payment (paying the January 1, past due payment) four days afterwriting this complaint on February 25, As a result, the account is now areonly behind on the February 1, payment by twenty-six days.Mr [redacted] states that [redacted] sole issue with Marlin is Marlin’s collection tactics on [redacted] commerciallease account with MarlinUnder the law, Marlin as a commercial financinginstitution lending only to businesses is permitted to make collection calls/emails/contactto Marlin’s delinquent commercial customers to collect on monies owed toMarlinNo one at Marlin is threatening Mr [redacted] Marlin’s collectors aresimply trying to collect on the non-cancellable commercial equipment leaseobligation that [redacted] committed to paying when the lease was signedWhendelinquent accounts reach a certain delinquency date, the account goes toMarlin’s legal department for litigationThis is not a bullying tactic but astatement of fact [redacted] request that Marlin “absorb” the “lastthree payments as well as any taxes, late fees and the return of the equipmentto be paid in full by Marlin” is groundless [redacted] is contractually obligatedper the terms of the Lease to pay to Marlin (1) all payments under the leaseterm, (2) all taxes under the Lease, (3) all fees under the Lease, AND (4)either (a) the residual value of the equipment or (b) pay to return the equipmentand refurbish it if it is not returned in good working orderWhile it is unfortunate that Mr [redacted] is nowdissatisfied with the terms he explicitly agreed to in the Lease, Marlin isunder no obligation to accommodate [redacted] non-contractual and unusualresolution proposal.Thank you for your business, Marlin

Please accept this letter in response to RevDex.com Complaint # [redacted] submitted [redacted] on behalf of [redacted] (hereinafter “ [redacted] )regarding the above referenced Lease. InMs. [redacted] letter, [redacted] questioned Marlin Leasing Corporation’s(hereinafter... “Marlin”) billing for late fees. Section 1 of the Lease states, “If we do not receive your payment by its due date,there will be a late fee equal to the greater of $20.00 or 15% of the lateamount (or, if less, the maximum amount allowable under applicable law) whichyou agree is a reasonable estimate of the costs we incur with respect to latepayments and is not a penalty. Upon your request, we will waive the firstassessed late charge.” [redacted] Lease payment due date is the 10th of each month. As of today, Marlin received19 late payments on the [redacted] lease and assessed 17 late fees. Marlin waivedtwo of those late fees (which is one more than Marlin was contractuallyobligated to waive under the terms of the Lease) since two of the payments wereonly two days late. However, please note that of the late payments received ten of the payments were receivedmore than 28 days late. One of those, the March 10, 2014 payment, was actually133 days delinquent before payment was received.As a result of the above, Marlin does not feel that the late fees were “unnecessary”as the customer alleges but rather they are contractually permitted under theterms of the lease that [redacted] agreed to upon signing it. Therefore, Marlin regrets to inform [redacted] that Marlin will not be crediting any additional billed and/or paid late fees.Please know that [redacted] can register with "My Marlin" at any time toreview their account, review invoices, and make payments online. In fact, if [redacted] were to register with My Marlin, [redacted] could receive emailnotifications when the invoices are ready to be viewed and be able to view theinvoices online and not wait for the snail mail invoice. The link for My Marlinis [redacted] I believe signing up for My Marlin resolves the invoicing issue and perhapscould aid [redacted] with the delinquent payment issue presented in this complaint.If you have additional comments or questions, please contact Marlin’s customerservice department.Thank you for your business, Marlin

Please rest assured that I, along with the rest of Marlin, take customer complaints very seriouslyEveryone at Marlin endeavors to give all of our customers the best experience possible.Marlin has thoroughly reviewed all of our records in connection with *** ** *** lease contractIt
appears that on September 15, 2014, a Mr*** the alleged new GM of the gym, called into Marlin first alerting Marlin to some of the of the allegations in this ComplaintAt that time it was notedby Mr*** that he would be heading to the police station on that same day (9/15/14) to file a police report which he would fax to Marlin once completed.To date (almost two months later), Marlin has not received a copy of the police report as promised.Unfortunately, without the police report or the notarized affidavit of factsoutlining his position, Marlin is unable to investigate the situation.In addition, Marlin, as a financial institution, does not have access to criminal investigation records; so, unfortunately Marlin is unable to review the case cited in this complaint by Mr*** or verify any of the allegations made in the complaint.If Mr*** wishes to submit the police report and affidavit required to Marlin, then, Marlin would be happy to investigate this issue furtherWe can accept those documents via mail to: *** *** ***, c/o *** *** *** *** ***, Mount Laurel, NJ or via fax to ###-###-####.Thank you.Regards,Marlin Customer Service

Despite the fact that no one has submitted proof or the requested documentation concerning this allegedfraud or identity theft to Marlin, Marlin has suppressed the collection callsand letters to *** *** ***Unfortunately, Mr*** ***, is requesting that Marlinmake a determination of law and a representation of that determination of lawto him (i.ethat a fraud was committed by a Mr***) Marlin is a bank not a court of law or a law enforcementagencyThus, Marlin will be leaving the courts and law enforcement to makethat determination since Marlin cannot do soHowever, the crux of Mr*** complaint appeared to bethat Marlin “continued to harass *** ***” to pay the lease account.Therefore, now that all collection efforts against *** *** have beensuppressed, Marlin feels that it has resolved the underlying complaintWe apologize if this is unsatisfactory to Mr***; but dueto the nature of the issue, Marlin will not be making any determinations of lawor further representations to Mr***Warmest regards,Marlin’s legal team

*** believes the customer's additional complaint has been resolvedIn response to this rebuttal, Marlin resent the buyout letter to Mr*** and Marlin staff just received confirmation that Mr*** acknowledges receipt of the buyout letter.Thank you for your business.Regards,Customer Service

I recently received a letter from your office regarding the above referenced caseMarlin’s response is set forth hereinThe date of the Complaint filed by *** ** *** (hereinafter “***”) is October 31, *** requested as resolution to the complaint the termination of the 2nd
Lease Contract and a credit for the amount applied to such ContractBecause of the complexity of this transaction and the customer’s dissatisfaction, Marlin has agreed, in the spirit of customer satisfaction, to reduce the customer’s monthly payments for the remainder of the lease term. This was communicated to and accepted by the customer on November 11, 2014.” In view of the aforementioned and the fact that there are no other remaining issues between the parties, I believe that this issue has been resolvedThank you for your business!

Complaint: ***
I am rejecting this response because: The course of action the owners choose to take regarding Mr*** in this matter is a secondary issue as the owner, *** ***, explained in a fax to Marlin Leasing. The fact remains that the contract held be Marlin Leasing is fraudulent, at least to the extent that it lists *** ** *** ***. In my phone exchanges with employees of Marlin Leasing I have given the current contact information for *** *** who actually signed the lease. The simple fact remains that *** ** *** *** is not a party to this contract. I would have to assume that, since their response made no reference to this, Marlin Bank accepts this fact. Marlin's response should either A) acknowledge that *** ** *** is not a party to this contract or, B) state that they do, in fact, maintain that *** *** is an agent or representative of *** ** ***, along with an explanation as to why they believe this to be the case
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I have not yet received the promised revised payoff letterIt is also worth noting that the contract is not the issueThe issue is what I was told was in the contractThe above said, I do not fault the company for the actions, or miscommunication, of a single sales personThey seem to be taking this seriously and handling it wellOnce I receive the revised payoff letter that I was promised, the balance will be paid and this will be resolved
Regards,
*** ***

Please accept this letter in response to Revdex.com Complaint #[redacted] submitted[redacted] on behalf of [redacted] (hereinafter “[redacted])regarding the above referenced Lease.  InMs. [redacted] letter, [redacted] questioned Marlin Leasing Corporation’s(hereinafter...

“Marlin”) billing for late fees. Section 1 of the Lease states, “If we do not receive your payment by its due date,there will be a late fee equal to the greater of $20.00 or 15% of the lateamount (or, if less, the maximum amount allowable under applicable law) whichyou agree is a reasonable estimate of the costs we incur with respect to latepayments and is not a penalty. Upon your request, we will waive the firstassessed late charge.” [redacted] Lease payment due date is the 10th of each month. As of today, Marlin received19 late payments on the [redacted] lease and assessed 17 late fees. Marlin waivedtwo of those late fees (which is one more than Marlin was contractuallyobligated to waive under the terms of the Lease) since two of the payments wereonly two days late. However, please note that of the late payments received ten of the payments were receivedmore than 28 days late. One of those, the March 10, 2014 payment, was actually133 days delinquent before payment was received.As a result of the above, Marlin does not feel that the late fees were “unnecessary”as the customer alleges but rather they are contractually permitted under theterms of the lease that [redacted] agreed to upon signing it.  Therefore, Marlin regrets to inform [redacted]that Marlin will not be crediting any additional billed and/or paid late fees.Please know that [redacted] can register with "My Marlin" at any time toreview their account, review invoices, and make payments online. In fact, if[redacted] were to register with My Marlin, [redacted] could receive emailnotifications when the invoices are ready to be viewed and be able to view theinvoices online and not wait for the snail mail invoice. The link for My Marlinis [redacted]I believe signing up for My Marlin resolves the invoicing issue and perhapscould aid [redacted] with the delinquent payment issue presented in this complaint.If you have additional comments or questions, please contact Marlin’s customerservice department.Thank you for your business, Marlin

Please rest assured that I, along with the rest ofMarlin, take customer complaints very seriously. Everyone at Marlin endeavorsto give all of our customers the best experience possible.Please accept this letter in response to Revdex.com Complaint#[redacted] submitted by [redacted] on...

behalf of  [redacted] (hereinafter “[redacted] regarding the above referencedcommercial equipment Lease. In Ms. [redacted] letter, she questioned Marlin Leasing Corporation’s (hereinafter “Marlin”) property tax invoicing practices. With respect to the Complaint, we have thoroughly reviewed all of our records in connectionwith the billing of property taxes on the leased equipment.  Marlin is the owner of the leased equipmentand Marlin reported the equipment that [redacted] leased from Marlin to [redacted]’ propertytax jurisdiction based on the equipment address on file.  Under the terms of the lease, [redacted] isrequired to reimburse Marlin for all sales, use, property, and other non-incometaxes. Since the equipment address on file was incorrect, Marlin paid the [redacted] andnot the [redacted]. In order to rectify the situation, Marlin will reapply the property taxes paid by [redacted] towardsrental and waive the amounts billed for property taxes.  In addition, the account was updated to“lessee files property taxes” status to ensure no future billing discrepanciesoccur. As noted above, Marlin takes customer complaints very seriously.  We want our customers to have positiveexperiences with our company and with our employees who provide services to ourcustomers.  Thank you for doing business with us.

Please rest assured that I, along with the rest of Marlin, take customer complaints veryseriously. Everyone at Marlin endeavors to give all of our customers the bestexperience possible.Marlin has thoroughly reviewed the complaint submitted in connection with [redacted] lease contract.  It appears...

this issue is a contract dispute over the terms clearly stated in the one pagecontract between the parties.However, as resolution to [redacted] complaint and in order to provide the best possiblecustomer satisfaction, Marlin has cease billing the insurance fees, has waivedany outstanding insurance fees due on the account, and has credited [redacted]account with any amounts previously paid toward insurance fees. In addition, Marlin has provided Mr. [redacted] with a revised lease payoff balance, based on theabove credits and inclusive of a discount provided in good faith by Marlin, sothat Mr. [redacted] may exit the lease should he still wish to do so.Thank you.Regards,Marlin Customer Service

Please rest assured that I, along with the rest ofMarlin, take customer complaints very seriously.  Everyone at Marlin endeavors to give all ofour customers the best experience possible.Please accept thisletter in response to Revdex.com Complaint #[redacted] submitted by[redacted]...

shall on behalf of [redacted] (hereinafter “[redacted])regarding the above referenced commercial equipment Lease.  In Mr. [redacted] letter, he questioned MarlinLeasing Corporation’s (hereinafter “Marlin”) collection practices. [redacted] Lease payment due date is the first day ofeach month. As of today, Marlin received twenty-one late payments on the [redacted]lease. Out of the twenty-one late payments received eighteen of the late paymentswere received more than twelve days after the due date. One of those, theDecember 1, 2014 payment, was actually sixty days delinquent before payment wasreceived. Mr. [redacted] states that the loan is not sixty days past due. Mr.[redacted] is correct that as of today the account is not sixty days past due. [redacted]made a payment (paying the January 1, 2015 past due payment) four days afterwriting this complaint on February 25, 2014. As a result, the account is now areonly behind on the February 1, 2015 payment by twenty-six days.Mr. [redacted] states that[redacted] sole issue with Marlin is Marlin’s collection tactics on [redacted] commerciallease account with Marlin. Under the law, Marlin as a commercial financinginstitution lending only to businesses is permitted to make collection calls/emails/contactto Marlin’s delinquent commercial customers to collect on monies owed toMarlin. No one at Marlin is threatening Mr. [redacted]. Marlin’s collectors aresimply trying to collect on the non-cancellable commercial equipment leaseobligation that [redacted] committed to paying when the lease was signed. Whendelinquent accounts reach a certain delinquency date, the account goes toMarlin’s legal department for litigation. This is not a bullying tactic but astatement of fact. [redacted] request that Marlin “absorb” the “lastthree payments as well as any taxes, late fees and the return of the equipmentto be paid in full by Marlin” is groundless. [redacted] is contractually obligatedper the terms of the Lease to pay to Marlin (1) all payments under the leaseterm, (2) all taxes under the Lease, (3) all fees under the Lease, AND (4)either (a) the residual value of the equipment or (b) pay to return the equipmentand refurbish it if it is not returned in good working order. While it is unfortunate that Mr. [redacted] is nowdissatisfied with the terms he explicitly agreed to in the Lease, Marlin isunder no obligation to accommodate [redacted] non-contractual and unusualresolution proposal.Thank you for your business, Marlin