Marlin Leasing Corp

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.

Review: we have a contract for a copier leased that is about to end

we have a delivery date( Oct 5, 2009) and have made payments; yet they have said that they are not crediting an early payment made once machine was deliverd to our account and through some kind of interim rent said to be a fee??? (that we have been charged) we are being told we need to keep machine and make additional payment for one monthDesired Settlement: we would like the interim rent (which is arbitrary since the machine was delivered already) to be credited to a payment and the last payment to be the Oct to Nov 2013 payment Not Nov to Dec payment

we do agree that the machine delivery date is the start of the contract date. Not a month(or 2) later as they are suggesting and trying to hold us to

Business

Response:

On or about October 5 2009, [redacted] Leasing Corporation (“[redacted]”) entered into a commercial lease transaction (the “Lease”) with The Southern California District Council of the Assemblies of God DBA Pinecrest Christian Conference (the “Lessee”). The Lease clearly sets forth express contractual terms: (Paragraph 1) “We ([redacted]) may charge you a partial payment to cover the time between delivery and the due date of the first regular payment.” In the case at hand, the Lessee’s signed the Acceptance of Delivery section of the Lease stating that the equipment was delivered and installed as of October 5, 2009, yet the first payment under the Lease was not due until December 15, 2009. The interim rent listed on the invoice (See Exhibit B) in the amount of $179 (plus taxes) is a partial payment to cover this gap in time. The interim rent charged was in accordance with the express terms of the Lease that the Lessee agreed to upon signing the Lease agreement. The Lessee’s allegations are misplaced because the Lease plainly contains provisions addressing the invoicing of interim rent. While it is unfortunate that the Lessee is now dissatisfied with the terms they originally bargained for, [redacted] is under no obligation to accommodate them.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:I feel the terms of the contract based on number of payments (48) should be unpheld just because [redacted] wants to classify one payment as interm rent does not make it NOT A PAYMENT. WHat hey did is decide to start the contract as of Dec for payment not November. I am saying I owe 48 payments and am willing to agree to 48 not interm rent plus 48 payments

Regards,

Business

Response:

[redacted] is in receipt of your correspondence alerting [redacted] to [redacted]’s rejection of [redacted]’s first response. In his rejection [redacted] states that he “feels” the terms of the contract should be upheld here. [redacted] could not agree more with that statement. In fact, that is exactly what [redacted] is doing – upholding the terms of the contract which [redacted] agreed to when he signed the lease.[redacted] is truly sorry that [redacted] is unhappy with the terms of the Lease that he agreed to when executed. However, it should be noted that the Lease states immediately above the signature line (where [redacted] himself signed indicating his acceptance of the Lease terms): “THIS IS A BINDING CONTRACT. IT CANNOT BE CANCELED. READ IT CAREFULLY BEFORE SIGNING AND CALL US IF YOU HAVE ANY QUESTIONS.” It would appear that [redacted] is suffering from buyer’s remorse and while that fact is unfortunate, [redacted] will be enforcing the Lease as written and agreed to by the parties.[redacted] rejects the rebuttal and has no further comment except to request that payment per the contractual terms be made by the customer and that the customer stop submitting separate Revdex.com complaints regarding this issue. [redacted] has already responded to Complaint # [redacted] and now has provided a rebuttal to [redacted] The contract terms are explicitly spelled out in the lease and [redacted] will be enforcing them accordingly. Thank you.

Review: I was issued gift cards from [redacted] (through [redacted]). These cards had very short expiration dates due to a family emergency I was unable to use them before the short expiration. I contacted Marlin for reimbursement and they claimed the funds were sent to [redacted]. I contacted [redacted] and they indicated that the funds were returned to Marlin Leasing. I again contacted my representative at Marlin who, after research, claimed these funds were never returned to Marlin. These funds are in excess of $1200 which I paid taxes on.Desired Settlement: I require a full refund of the funds that I am owed.

Business

Response:

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

Consumer

Response:

Review: [redacted]

I am rejecting this response because:Somehow I do not think it would be wise to post my 1099 online. The taxes were paid and the money owed.

Regards,

Business

Response:

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]

Review: Marlin Leasing is constantly giving [redacted] problems. They refuse to correct the billing issues on there end and tell us everything is our fault. There constantly misapplying our payments to other vendors accounts and then send multiple faxes and emails on a daily basis. We tried to work with them and even set them up for direct deposit payment instead of check but have declined multiple times. There customer service is horrendous. The harassment is ridiculous. We can never get a straight answer or a response. When invoice is received is it processed the same day. Vendor receives the check the following week but has held on to it multiple months in a row and then cash it after the due to hit us with late fee charges. When asked due to there negligence with our account they said they would correct it but refuse to do so just by the monthly bills received. I told one of there employees [redacted]) that late fee charges will not be paid and she responded by telling [redacted] to advise [redacted] that late charges are in the terms and conditions of the lease which is a legal and binding contract which requires us to pay those charges. When asking Marlin for help they refuse to and then throw a legal contract in our faces. They have not lived up to the business we have given them. There company should really be looked into because there ripping off companies and it's just not [redacted]. They need to correct the multiple mistakes they have made to our account since we want to have nothing to do with them anymore. Marlin Leasing should not be recommended to any business because holding on to a check so you can charge your vendors for late fees charges which is more than the actual unit you are renting is assinine. There a scam and shouldn't be allowed to get away with treating vendors/companies like this.Desired Settlement: We want our bill adjusted for the bogus charges due to there mishandling of our account. We also no longer want to do business with them and want the harassing phone calls and email to stop at once.

They are the worst company we have ever dealt with. Marlin Leasing needs to take responsibility for there actions and be held accountant. This is not the way you treat your vendors and company should be put out of business at once. This is the second complaint that [redacted] has filed.

Business

Response:

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

Business

Response:

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

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

I tried signing up for [redacted] and even had to contact customer service. Still have not heard back from anyone and we still cannot register through there website. They wanted [redacted] to register but won't help us or return emails/phone calls to get the process rolling.

Regards,

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

I tried signing up for [redacted] and even had to contact customer service. Still have not heard back from anyone and we still cannot register through there website. They wanted [redacted] to register but won't help us or return emails/phone calls to get the process rolling.

Regards,

Business

Response:

The account is now registered for My Marlin. The login information was emailed to [redacted] Once logged in, the password and secret question can be updated. A voicemail with contact information was also left on # [redacted]

Please let me know if you need anything else.

Thank you. We appreciate your business.

Business

Response:

The account is now registered for My Marlin. The login information was emailed to [redacted] Once logged in, the password and secret question can be updated. A voicemail with contact information was also left on # [redacted]

Please let me know if you need anything else.

Thank you. We appreciate your business.

Review: Marlin Leasing renewed a contract on equipment without approval from our organization; the lease was supposed to terminate in September of 2013 and instead they automatically renewed it. They are stating that now we, a Homeless Shelter non profit organization, are obligated to continue paying close to $200/month plus various fees for a copy machine that we do not use. I have left messages for the manager that I was told I'd need to speak with, [redacted], and not received any calls back to discuss the matter.Desired Settlement: I want the lease terminated, as it was supposed to be according to the original contract, effective September 2013.

Business

Response:

I recently received a letter from your office regarding the attached lease. Marlin's response is set forth herein.

The date of the Complaint filed is October 8, 2013. I believe that this issue has since been resolved. The customer's desired resolution was to have Marlin close the account. However, the customer still owed a balance on the account. So, on October 8th, a representative of Marlin reached out to the executive director and advised her that there was an outstanding balance. The customer agreed to pay the outstanding balance and Marlin agreed to email the executive director a form to be completed so that the equipment return could be processed.

Marlin received the check representing the balance owed from the customer today. 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.

Marlin Management

Review: I purchased equipment and utilized Marlin leasing to finance. The equipment cost $18,281 and I was to pay marlin leasing 6% over 5 years. This payment was established at $353. We began these payments and paid on time.

The equipment we purchased had to be returned to [redacted] due to a malfunction. They provided a more expensive version in return. the more expensive version cost $6,971 more than the original $18,281 for a total of $25,353 at a rate of 6%. A payment of $466 was established as we had already paid 7 months on the original lease.

~ 12 months [redacted] contacted Marlin as they were never paid for the $6,971 or adjusted amount after our lease was adjusted. The Lady handling our account left Merlin. No record of the adjustment could be located so Marlin for some unknown reason established another lease for $8,852 to account for the payment they needed to be made to [redacted] so in effect we started getting double billed for the $8,971 portion at that time. We have now paid $2,800 erroneously against the lease mistakenly established.

I have the invoices and have provided them to Marlin. I have been contacting them for over a month now and have not gotten any real response that they can understand this very basic arithmetic and will adjust things accordingly. I will cease future payments until this can be addressed. the Bills Marlin sends do not depict what you are paying against or a balance so there is no way to see this. My wife is running this business by her self on a 7 days a week basis and was just paying what she thought she owed but as we audited our records we found this error. [redacted]Desired Settlement: The second lease of $8,971 needs to be terminated and the amount we paid $2,500 in ignorance should be applied/credited to the initial lease.

the Bills Marlin sends do not depict what you are paying against or a balance so there is no way to see this.

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 October 31, 2014. [redacted] requested as resolution to the complaint the termination of the 2nd Lease Contract and a credit for the amount applied to such Contract. Because 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 resolved. Thank you for your business!