Marlin Leasing Corp

Had problems with getting any communication from Brian. No suggestions offered for resolution.

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 accept this letter in response to Revdex.com Complaint #[redacted] submitted by [redacted] on
behalf of [redacted]) regarding the above referenced Leases.  In Ms. [redacted]
letter, [redacted] questioned Marlin Leasing Corporation’s (hereinafter “[redacted]) payment application process and late fees.
 
It seems that sometimes customers believe that Marlin’s internal staff is processing payments.  The inference
alluded to by Ms. [redacted] is that Marlin’s staff is intentionally delaying and/or misapplying the posting of payments so that “late fees can be charged
all the time”.   However, that is not the case.  When a payment is mailed by a Marlin lessee, it is mailed to an unrelated third party [redacted] (hereinafter
“[redacted]). Upon receipt of the payment, the [redacted] Bank processes the physical check and posts it to Marlin’s account.  The assessment of late fees is triggered by
the information provided by the [redacted] Bank who does its best to process every payment received at the lock box the same day received. The [redacted] Bank does
its best to apply the payments to the correct accounts and apply them in the correct manner. However, there are occasionally instances when the [redacted] Bank
misapplies payments made by a customer with multiple lease accounts.  
Marlin has waived all late fees on the impacted accounts and applied any monies previously paid toward late fees toward some of the delinquent payments which
are outstanding on the various accounts.  We sincerely apologize for any inconvenience or frustration [redacted] has experienced over this issue.  However,
please note that the Samsung accounts still have late (outstanding) rental balances that are due to Marlin.
Once again, Marlin extends the offer to [redacted] to enroll in an automatic recurring debit program.  Marlin has offered this
solution as a resolution to [redacted] complaints in the past to no avail. Marlin sincerely hopes that [redacted] will reconsider this program this
time.  Under this program, monthly payments would automatically be debited from [redacted] account.  In the event that [redacted] wishes to enroll in
the program, Ms. [redacted] may contact Mr. J[redacted] via Marlin’s toll free number at [redacted]  
 
As another alternative, [redacted] can contact Marlin’s customer service team and request buyouts for all remaining accounts in the event that [redacted] desires to
pay off and terminate the contracts before their stated termination dates.
Marlin values [redacted] business and sincerely hopes the aforementioned resolution is satisfactory to [redacted]
Thank you,
Marlin Legal Department

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

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]

Such a rip off company . I regret so much doing business with these people. They tell you your payments are going to be one amount and they charge your account way more and no cares when you call them back . thinking we stupid. DO YOURSELF A FAVOR ,STAY AWAY FROM MARLIN LEASING CORP. NJ.

As a federally regulated bank holding company,
Marlin is not in a position to send money to someone based on an unverified claim. 
If the claim can be substantiated, we would be happy to do what we can. Please send documentation proving (I) that the gift card were never utilized, (2) that taxes on the amount of the gift cards were paid by you to the government, and (3) that the vendor on the transaction, [redacted] Inc., authorized the initial payment and now authorizes re-payment of the gift cards to you.
Thank you,
[redacted]

I recently
received a letter from your office regarding the above referenced case.  Marlin’s response is set forth herein.  Mr. [redacted]company was a recipient of gift cards from Marlin as a result of a prize Mr. [redacted] company won for a contest that Marlin held.
The gift...

cards clearly stated that they had a six month expiration date. It is very unfortunate that Mr. [redacted] had a family emergency which resulted in his inability to use the gift cards during the six months they were active.  Please note, however, that despite what [redacted] may have told Mr. [redacted] Marlin does not receive money back for the balance of expired and unused gift cards. Once Marlin outlays the money to purchase the gift cards, Marlin has no further dealings with [redacted] 
To date, Marlin has not issued a W-9 to Mr. [redacted] company for the winnings (i.e. amount of the gift card); so, Marlin is unaware of the circumstances regarding any taxes Mr. [redacted] may or may not have paid for the winnings.
We are sympathetic to Mr. [redacted] plight and we are saddened to hear he was the recipient of wrong information from [redacted] However, Marlin will not be refunding Mr. [redacted] for his expired gift cards.
 
Thank you,
Marlin

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

Review: Marlin leasing do not send an actual monthly billing statement. They send only a delinquent statement stating that past payment is due with $50 collection fees. I called them many time to resolve the issue...but I was denied. At sometimes I paid the fees and charges on a leased equipment...waited for the next bill to come by mail....none was sent except another delinquent statement..this is been going on every month. They waive the charges in the first 3 months...but they still adding others/.

I do not see why would I be at default when I do not received a timely invoice by mail as stated per contract. It is not fair practice to send a delinquent letter but not a timely bill. My believe is that they deliberately did not send an actual invoice so they can send a delinquent letter charging $50 on top of the $112.35 therefor generate more money from customers.Desired Settlement: refund the fees I paid/waived past current fees and I request an actual monthly billing statement with the actual amount of $112.25 as stated per lease.

Business

Response:

A Marlin representative researched the issue and all current invoices, past due notices and other correspondence have all been mailed to the same address for Mr. [redacted] business. Thus, Marlin is unclear why Mr. [redacted] is only receiving certain pieces of mail. Unfortunately, Marlin has no control over the [redacted] delivery efficiency. It has been suggested to Mr. [redacted] to enroll in "MYMARLIN" so that he may view his invoices online rather than rely on the [redacted]. Marlin has waived 8 late fees to date. As per the terms of the contract, Marlin is only required to waive one late fee. Therefore, Marlin has waived seven more than contractually required in order to accommodate Mr. [redacted].In light of the 8 late fee waiver and in light of the suggestion to Mr. [redacted] to enroll in MyMarlin to view invoices online, Marlin believes the issues stated in the complaint have been resolved.Should you have any questions or concerns regarding the foregoing, please contact Customer Service at ###-###-#### Thank you for your attention to this matter.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Although the matter has been resolved after I complained to Revdex.com., the truth remained that I should not have suffered with their collection dept. I was told that a third party is responsible for sending out bills to customers. Marlin should have checked with them and see why I am not getting my bills . As of today July 3rd 2014 I got a true bill with the right fees to pay due on July 15. True they asked me to use the online services,but they refused my complains at the time.Nevertheless, I am glad this matter is resolved.

Regards,

Review: [redacted] has repeatedly requested to receive detailed billing invoices from Marlin Leasing over the last four years, but has not had any success. Instead, we receive late notices with unreasonable and ridiculous late fees. Over the course of four years, [redacted] has overpaid Marlin Leasing $2,732.23 in late fees! I am a successful business owner who is adamant about paying my bills on time and have worked hard to keep outstanding credit. I believe this is unethical and a scam.Desired Settlement: I would like a credit for all of the unnecessary late fees.

Business

Response:

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

Review: Marlin Leasing financed a copier leased by [redacted].

[redacted] procured this lease by means of fraud, using the corporate name of [redacted]

[redacted] is owned by [redacted], from whom [redacted] had bought the gym where the equipment was delivered.

[redacted] currently faces criminal charges in Maryland for the same fraud at a different business (Case [redacted]).

The gym was repossessed from [redacted] by [redacted]; by this time [redacted] had removed the leased equipment.

Upon receiving numerous phone calls and letters regarding the delinquent account fraudulently listing [redacted] as the holder of the lease, numerous phone calls were made to Marlin Leasing explaining that they possessed an invalid, illegal contract, and that [redacted] was not liable.

Marlin Leasing has repeatedly refused to correct their records and continues to harass [redacted] (d.b.a. G[redacted]) with collection letters and threats of reporting "negative information" to credit bureaus.

It is simply untenable that Marlin Leasing is just this incompetent and that these actions are not being carried out with full knowledge that they are fraudulent and illegal.

As stated, Mr. [redacted] now faces criminal charges for this same fraud, and such charges will be pursued against all other accessories, including Marlin Leasing, if this matter is not swiftly resolved to the satisfaction of [redacted]Desired Settlement: The only acceptable outcome is a letter from Marlin Leasing explicitly stating that, at no point in time, was [redacted] a party to this or any contract held by Marlin, and an apology for the amount of time spent in vain trying to rectify this with them directly.

Business

Response:

Please rest assured that I, along with the rest of Marlin, take customer complaints very seriously. Everyone at Marlin endeavors to give all of our customers the best experience possible.Marlin has thoroughly reviewed all of our records in connection with [redacted] lease contract. It appears that on September 15, 2014, a Mr. [redacted] the alleged new GM of the gym, called into Marlin first alerting Marlin to some of the of the allegations in this Complaint. At that time it was notedby Mr. [redacted] 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. [redacted] or verify any of the allegations made in the complaint.If Mr. [redacted] wishes to submit the police report and affidavit required to Marlin, then, Marlin would be happy to investigate this issue further. We can accept those documents via mail to: [redacted], c/o [redacted], Mount Laurel, NJ 08054 or via fax to ###-###-####.Thank you.Regards,Marlin Customer Service

Consumer

Response:

Review: [redacted]

I am rejecting this response because: The course of action the owners choose to take regarding Mr. [redacted] in this matter is a secondary issue as the owner, [redacted], 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 [redacted]. In my phone exchanges with employees of Marlin Leasing I have given the current contact information for [redacted] who actually signed the lease. The simple fact remains that [redacted] 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 [redacted] is not a party to this contract or, B) state that they do, in fact, maintain that [redacted] is an agent or representative of [redacted], along with an explanation as to why they believe this to be the case.

Regards,

Business

Response:

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 [redacted]Unfortunately, Mr. [redacted], is requesting that Marlinmake a determination of law and a representation of that determination of lawto him (i.e. that a fraud was committed by a Mr. [redacted]). Marlin is a bank not a court of law or a law enforcementagency. Thus, Marlin will be leaving the courts and law enforcement to makethat determination since Marlin cannot do so. However, the crux of Mr. [redacted] complaint appeared to bethat Marlin “continued to harass [redacted]” to pay the lease account.Therefore, now that all collection efforts against [redacted] have beensuppressed, Marlin feels that it has resolved the underlying complaint. We apologize if this is unsatisfactory to Mr. [redacted]; but dueto the nature of the issue, Marlin will not be making any determinations of lawor further representations to Mr. [redacted]. Warmest regards,Marlin’s legal team

Review: This company keeps stating my loan is 60 days past due when it is not. The lease is paid 33 payments out of 36 and they are threatening our credit if we don't pay them by the end of the day today or they are going to harm our credit and take legal action against us. My payment was due January 1st. They are saying it is 2 months past due. It is February 20th, and they have been telling me ALL month that it's 2 months past due. I'm am struggling monthly with this loan and yet I am still paying it. I'm tired of being harassed and bullied into paying and tired of their scare tactics. The loan was on lease equipment that does not even work. They told me whether it worked or not I still had to pay the lease because I signed for it, which I have been doing for almost 3 years. I'm just tired of being bullied for $400+ a month!

The company has harassed my wife via email, as I let her take care of this. Since she has asked them to cease and desist harassing her, they have now taken to making threatening phone calls and leaving voice mail threatening if I do not contact them today, there will be legal action. Yet. I am still not 60 days past due as they say I am.Desired Settlement: I'd like the last 3 payments absorbed by Marlin, as well as any taxes, late fees, etc. I'd also like the return of the equipment to be paid in full by Marlin Leasing.

Business

Response:

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

Review: The problem is that the Terms of the Lease Agreement are confusing and were not fully explained. Also, the terms of the contract with regards to the return of the equipment to Marlin at the end of the contract are unreasonable and cannot be met without extraordinary and undue cost to us or for that matter anyone.

The $1 dollar buyout option was not presented to the owner of the company and explained fully. It is our contention that Marlin represented the option at the end of the contract and never explained the full liability of cost to our company. In a recent call the representative stuck to her guns and expressed that at the time the contract was sign we would have been given a “much higher amount” that what the lease payment is on the contract. When asked what the “higher amount” would have been she was not able to tell us.

Furthermore there is a requirement in the equipment lease agreement that the equipment be returned in “good working order” and that they will have them machine “refurbished” and bill the us for the cost. This machine will be obsolete by the end of our contract in May of 2016 (on a 5 year lease). This is extraordinarily beyond reasonable expectations for the return of a piece of equipment that have been in service (with documented problems) for five years to be refurbished.

There is no possible way this contract can be fulfilled. I calculate an estimate of over $10,000.00 for the total contract including costs for cleaning and refurbishing a machine that if bought outright would have costs less than $3000.00.Desired Settlement: We expect to be given the option of the $1 buyout or Marlin can take the machine back “as is” due to unreasonable expectations of refurbishing the equipment. We stand that it is impossible to meet the terms of their contract without an undue burden logistically and financially.

Business

Response:

Marlin Leasing Corporation (“Marlin”) is inreceipt of a complaint by [redacted] on behalf of [redacted] Attorneyat Law. Marlin’s response is set forth herein. In the complaint, it is stated that a $1buyout option was not presented to the owner of the company. It is contended by[redacted] that the lack of explanation placed the law firm in some sort ofliability as a result. The terms of the Lease were, and still are,clear. The terms are standard in the industry. As per the attached, it shouldbe noted that [redacted] Esquire signed the lease directly underlanguage that stated “READ IT {the lease} CAREFULLY BEFORE SIGNING AND CALL US{Marlin} IF YOU HAVE ANY QUESTIONS.” [redacted] was welcome to contact Marlin or Marlin’s internal legal staff at anytime prior to signing the Lease to clarify and/or negotiate the terms therein.However, instead of negotiating before the execution the Lease, the law firmnow approaches Marlin via the Revdex.com after making 33 payments over the past 33months and alleges that their lack of understanding as to the transaction theyentered into is Marlin’s fault. In addition, [redacted] alleges that the costof refurbishment for the machine is “extraordinary beyond reasonableexpectations.” However, the machinewould need to be returned only in good working order (i.e. resaleable)condition. The expectation is not that the machine has to be returned in apristine unused state like the day it was manufactured since ordinary wear andtear is expected. Thus, I am unclear how returning a machine that stillfunctions albeit with 5 years of wear and tear could be deemed “extraordinary”or “beyond reasonable expectations.” Despite the seemingly incredulous claims,Marlin is willing to accommodate the law firm. It involves restructuring theLease which will entail a higher payment for the remaining Lease term. However,in order to restructure the Lease, the firm will have to (i) make a lump sumpayment to accommodate for the 33 months of making lower payments and (ii)execute a Lease addendum agreeing to the higher payment for the remaining termof the Lease. This can be accomplished by contacting J[redacted], Director ofCustomer Satisfaction at [redacted] It is my understanding that the higher payment would increase thecurrent payment by roughly $5.00-6.00 a month (plus taxes) and the lump sumpayment would be estimated around $195.00 (plus taxes); however that can beconfirmed with [redacted] when the call is placed.

Review: This copier finance company was brought to me by [redacted] in connection with two copiers I wanted to lease. First I was NEVER told about contract fees associated with the account. Second the copiers were set up on 2 different contracts instead of 1 each with their own fees. Marlin has repeatedly stalked me by phone telling me that I have been late on every bill. The first several months I never received a bill. I have paid either late fees or credit card billing fees to keep my accounts up to date =ing hundreds of dollars. My last bill I received on Tuesday Sept. 24th The invoice was dated the 18th and it already included a late fee. I have spent countless hours fighting with this company.Desired Settlement: I would like a refund of all credit card fees, late payments and I would like both contracts terminated so I am not forced to deal with this company for the next 5 years.

Business

Response:

I recently received a letter from your office regarding the above referenced case. Marlin’s response is set forth herein.

The date of the Complaint filed by Mr. [redacted] on behalf o[redacted] Financial (hereinafter “[redacted]) is September 26, 2013. I believe that this issue has since been resolved.

Mr. [redacted] requested in his complaint that he sought the waiving of all assessed fees as resolution to the complaint. As requested, Marlin has waived all fees and reapplied the monies paid toward

these fees to the outstanding balance on each lease account. As a result of the credits, the [redacted] lease account now has an outstanding balance of $46.64 due on October 10, 2013 and the [redacted] lease account now has an outstanding balance of $9.68 due on October 10, 2013.

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 resolved.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID 9[redacted], and find that this resolution is satisfactory to me.

Regards,

Review: Beware! Beware! Just remember that everything that you see and read on the internet is not legit. Marlin Equipment was referred to me by a vendor company that I wanted to purchase some items. The guy [redacted] got on the phone in his swift talking manner explained how the funding opportunities would go. Since he was a referral I felt confident to give him my information in order to see if I qualified. He said I was approved and to begin selecting my equipment and to get the invoices to him. Fast forward to 2 months later, I am here generating this BEWARE notice. After being approved, I submitted the proper invoices and WAITED. I would call and send emails and this is what I would get: no responses ever, a comment from [redacted] about it “being the end of the month and there is a lot of filing that has to happen”, “Ooooh, they haven’t sent you the forms”, “I will send the documents within the hour”, “I am still working on it”, “I thought I sent it”. I attempted to call their offices several times and left messages for the sales, customer service liaison to contact me and no one ever did. Here is the worse part: I submitted the invoice for one piece of equipment after being approved, [redacted] contacted the vendor and asked him for his information and told him I was approved. The vendor, thinking that the company is legit began manufacturing the product and submitted permits on my behalf because [redacted] contacted him. That has put me in a bind feeling obligated to work with the vendor because he has already invested his money. After [redacted] initially contacted the vendor a month went by, and I had been trying to contact him, I had not heard from Jacob..basically the run-around,… the vendor told me [redacted] called him again as if everything was OK….the irony…..I had not heard from [redacted] in a few weeks. It is a total scam and I feel they are trying to steal my information, meet some quota and lead people on etc.. and I am contacting all agencies to inform them of their dealings.Desired Settlement: The vendor is the biggest victim. I would like them to compensate the vendor the monies that he has paid for the permits and making the product. He would have not began doing so if [redacted] would have reframed from calling him. to inform him that I was approved and that [redacted] himself would be the point of contact and that he would be dealing with him in order to finance my product. [redacted] made it seem like everything was good to go and that was far from the truth.

Business

Response:

Please rest assured that Marlin Business Services Corp. and its affiliated companies (hereinafter “Marlin”) takes customer complaints very seriously. Everyone at Marlin endeavors to give all of our customers the best experience possible. Please accept this letter in response to Revdex.com Complaint #[redacted] submitted by [redacted] in connection with alleged service issues. With respect to this application and file, the information Marlin originally received with respect to the equipment vendor and the equipment changed following the initial approval. The application was initially for playground equipment to be procured from a playground equipment manufacturer and to be used at a day care center. The application then changed to a request for a business sign and outdoor carpeting at a business at a strip mall. The new vendors and equipment types were not approved by Marlin, and all of this was appropriately communicated to the applicant. Regards, Customer Service

Review: THIS COMPANY TOLD ME I WOULD HAVE A MONTHLY PAYMENT OF 212 DOLLARS AND THE STATEMENT CAME AND IT IS 229 DOLLARS. THEY CHARGED ME A INTERIM FEE OF 180 DOLLARS FOR A PIECE OF EQUIPMENT I STILL HAVE NOT TAKEN DELIVERY OF YET. THEY ALSO CHARGED ME TAXES ON THESE FEES I WAS NEVER INFORMED OF. THEY ALSO CHARGED ME A 95 DOLLAR DOCUMENTATION FEE THAT I WAS NEVER INFORMED OF. COME TO FIND OUT BY REEDING THE FINE PRINT, THEY WILL RENEW YOUR LEASE FOR ANOTHER 12 MONTHS IF YOU DONT NOTIFY THEM BETWEEN 2 AND 6 MONTHS OF LEASE ENDING THAT YOU WANT TO BUY THIS PRODUCT FOR 1 DOLLAR.Desired Settlement: I WANT THIS LEASE VOIDED. I WILL PAY THE EQUIPMENT DEALER IN FULL FOR THIS PRODUCT WITHOUT DEALING WITH THIS DISHONORABLE COMPANY. I DONT NEED TO BE MISLEAD, IT IS UNFAIR TO MYSELF AND THE REST OF THE PEOPLE IN THIS WORLD BARELY GETTING BY.

Business

Response:

Marlin Business Bank is in receipt of your

complaint dated 10/28/13 submitted to Marlin via the Revdex.com on 11/01/13. Please

find Marlin's response to complaint # 9781931 herein. Mr. [redacted]'s complaint

to Marlin is based on terms found in the lease contract. Mr. [redacted] is

disputing taxes on the lease payment, interim rent and the documentation fee.

All of these items are disclosed in the commercial equipment lease contract

that Mr. [redacted] signed.

Review: I am leasing software license. This is strictly ip and was told that I would not be required insurance.

I am currently being billed for insurance with no recourse.

I was quoted around $8k for the total lease payoff but was charged almost $10k. This was explained that "applicable taxes were added". I was not informed that there would be any additional charges.

I talked this over with a company representative and was told that there was nothing they were willing to do for me.

I feel that deceptive practices were used to close this deal, as I never would have agreed to this had I fully understood.Desired Settlement: I want to exit this lease. I will accept loss of money paid so far and will return the software.

Business

Response:

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

Consumer

Response:

Review: [redacted]

I am rejecting this response because:I have not yet received the promised revised payoff letter. It is also worth noting that the contract is not the issue. The issue is what I was told was in the contract. The above said, I do not fault the company for the actions, or miscommunication, of a single sales person. They seem to be taking this seriously and handling it well. Once I receive the revised payoff letter that I was promised, the balance will be paid and this will be resolved.

Regards,

Business

Response:

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

Review: Our law firm leases 2 copiers from Marlin Leasing. Marlin Leasing refuses to declare their property to the [redacted] to pay personal property tax on them despite numerous requests from me and the [redacted]. Marlin Leasing mistakenly paid personal property to the [redacted] for our 2 copiers, then made us pay them back per our agreement, but we didn't know they paid the WRONG department of revenue. Our firm then had to pay [redacted] for 2013 & 2014 personal property which Marlin Leasing refused to pay. Our firm is located in the [redacted] and Marlin Leasing needs to seek a refund from the [redacted] and refund our duplicate 2013 & 2014 personal property payments.

In 2013, our firm had to pay [redacted] $396.69 since Marlin Leasing refused to. Then we also had to pay Marlin $327.97 (the amount they mistakenly paid the [redacted]).

In 2014, our firm had to pay [redacted] $265.70 since Marlin Leasing refused to. Then we also had to pay Marlin $230.63 (the amount they mistakenly paid the [redacted]).

Now in 2015, Marlin Leasing is refusing to correct this situation and we will soon refuse payment of remainder of lease. [redacted] has asked Marlin many times to declare copiers for 2015 without any response. So now our firm will have to pay Marlin's 2015 [redacted] taxes again.

Our copier saleman, whom we leased these copiers from stated they don't use Marlin any longer because they have done unscrupulouis acts to most of their clients. Our copier sales company, [redacted] have contacted Marlin over and over and Marlin refuses to make this right. I have personally called Marlin and didn't get anywhere either. Marlin contact is [redacted]Desired Settlement: Marlin Leasing will declare their property that we lease with [redacted] and we will have proof by being cc'd on their letter.

Marlin leasing will send us a check for $558.60 refunding our duplicate tax payment plus another $500 for wasting my time.

Business

Response:

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.

Review: I have been trying to get a list of vendors and dollar amounts that Marlin has paid out in regards to two leases that I have with them. All I need is the actual amount (without finance amounts) and to whom paid for each lease. I need this information in order for my CPA to file my [redacted] tax return. So far Marlin has not been willing to provide this information.

The leases are in the name of [redacted]Desired Settlement: I just need the required information.

Business

Response:

I recently received a letter from your office regarding the above referenced case. Marlin’s response is set forth herein.

The date of the Complaint filed by [redacted] (hereinafter “[redacted]”) is June 19, 2014. I believe that this issue has since been

resolved.

[redacted] requested as resolution to the complaint a list of the vendors and dollar amounts Marlin paid out regarding the [redacted]. leases.

As requested, on June 24, 2014, a representative of Marlin emailed [redacted] a breakdown of all of the equipment under each of [redacted] Inc.’s leases.

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 resolved.

Thank you for your business!

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,