Marlin Leasing Corporation

Complaint: [redacted] I am rejecting this response because:Somehow I do not think it would be wise to post my online The taxes were paid and the money owed Regards, [redacted]

Please rest assured that Marlin Business Services Corpand its affiliated companies (hereinafter “Marlin”) takes customer complaints very seriously Everyone at Marlin endeavors to give all of our customers the best experience possiblePlease accept this letter in response to Better Business Bureau Complaint # [redacted] submitted by [redacted] in connection with alleged service issuesWith 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

I recently received a letter from your office regarding the above referenced case Marlin’s response is set forth herein Mr***company was a recipient of gift cards from Marlin as a result of a prize Mr [redacted] company won for a contest that Marlin heldThe gift cards clearly stated that they had a six month expiration dateIt 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 cardsOnce Marlin outlays the money to purchase the gift cards, Marlin has no further dealings with [redacted] To date, Marlin has not issued a W-to Mr [redacted] company for the winnings (i.eamount 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 cardsThank you,Marlin

I recently received a letter from your office regarding the above referenced case. Marlin Business Bank’s (hereinafter “Marlin (‘s)”) response is set forth herein. *** *** *** of *** ** *** ***
(hereinafter the ***”) complaint to your office seems to be based on a contract dispute. On its face, the Lease clearly sets forth express contractual terms In her complaint, *** *** alleges that her company, ***, does not want to be held responsible for a copier that became damaged in transit to the return center which *** was instructed to return the copier to at the end of the lease term Under the terms of Section 2(a) of the Lease contract which *** executed it states: “You agree to reimburse us [Marlin] for our costs to refurbish returned equipment.” As such, ***’s complaint about the damage to the Equipment lies with the Equipment shipping carrier and not with the financing source (i.e., Marlin) While it is unfortunate that *** *** is now dissatisfied with the terms *** explicitly agreed to in the Lease, Marlin is under no obligation to accommodate ***.Thank youRegards, Marlin Customer Care Team

Revdex.com of New Jersey
Whitehorse Hamilton Square Road Building A, Suite Hamilton, NJ Attention: MsGeorgina *** - Service Representative Re: Complaint ID ***; Marlin Contract No*** Dear MsGeorgina: *** *** *** complaint to your office is based on a contract dispute with the equipment vendor (i.e., *** *** *** *** and not with the financing source (i.e., Marlin Business Bank)Please be clear that *** *** *** company, *** *** *** *** requested that Marlin, a bank, finance equipment that *** *** *** company desired from the vendor *** *** *** *** *** *** *** company selected the vendor and the equipmentIn addition, Marlin is not related to *** *** *** *** Marlin was not involved with the vendor selection, equipment selection, equipment ordering, and equipment delivery or servicing of the equipment. Marlin was merely the third party financing source between the partiesAs such, Marlin, (at *** *** *** *** directive), paid *** *** *** *** for the equipment and is leasing the equipment back to *** *** *** *** per the terms of the attached Equipment Lease AgreementIf *** *** *** company, *** *** *** *** desires to end the lease then *** *** *** company should pay off the lease in fullFurthermore, if *** *** *** company is unhappy with the equipment or the service provided by *** *** *** ***, then *** needs to address that with *** *** *** *** By signing the lease *** *** acknowledged that “You [*** *** *** *** alone selected the vendor and the ProductsYou asked us [Marlin] to buy the ProductsWe [Marlin Business Bank] are not related to the vendor and we cannot get a refund, nor is the vendor allowed to waive or modify any term of this Agreement.” In his complaint, *** *** seeks for Marlin to release *** *** *** *** from their financial obligation; however, the Lease terms clearly set forth the non-cancelability of the LeaseIn section of the Lease it states “Therefore, the Agreement cannot be canceled by you for any reason, even if the Products fail or are damaged and it is not your fault. We are leasing it to you “as is" and we disclaim all express an implied warranties.” The Acceptance of Lease Agreement section clearly notes “THIS IS A BINDING CONTRACT. IT CANNOT BE CANCELED. READ IT CAREFULLY BEFORE SIGNING AND CALL US IF YOU HAVE ANY QUESTIONS.” The Acceptance of Delivery section of the agreement, which includes *** ***’s signature, notes “I CERTIY THAT THE PRODUCTS ARE DELIVERED, INSTALLED AND WORKING PROPERLY. I AUTHORIZE MARLIN TO PAY THE VENDOR AND COMMENCE THIS AGREEMENT.” Accordingly, *** *** may not simply cancel the LeaseAs stated in Section 3: “You [*** *** *** *** shall settle any dispute regarding the Products performance directly with the vendor." Any issue *** *** may have with respect to the equipment’s functionality is with the vendor of the equipment, *** *** *** *** This is clearly set forth in Section of the Lease. While it is unfortunate that ***’s company is experiencing issues with the vendor and the equipment he selected, and ***’s company’s is now dissatisfied with the terms explicitly agreed to in the Lease, Marlin is under no obligation to accommodate Mr***’s company. Thank youWarmest Regards, Briana M***Complaint Monitor

On August 14, 2014, *** *** *** Corp executed a Lease for a new Sharp MX copier with Modular Document Solutions Subsequently, said Lease was assigned to Marlin Business Bank Pursuant to the terms of the contracts entered into by *** *** *** *** ***
*** was to pay to Marlin Business Bank, the sum of $a month to lease the copier and, inclusive to said sum, $a month to have someone maintain the copier (with the maintenance sum to increase 10% per year) The term of the Lease was months (until through December, 2019) *** *** *** defaulted upon the contracts by failing to make the rental payments beginning from May, and by failing to make the maintenance payments from June, In October, 2016, *** *** *** did make a payment of $958.08, however said sum was $less than what was outstanding at that time (the $was applied to the outstanding rental payments first and then the remainder to the outstanding maintenance) *** *** *** has failed to make a payment (either lease or maintenance) since October, There is currently owed past due rentals of $945.00, past due taxes of $56.70, the residual value of the equipment (which is $294.94), the present value of the remaining rental payments of $3,380.53, sales tax of $220.53, late Charges of $and maintenance fees of $for the total sum of $5, Applying the $October payment makes the total, current, outstanding balance equate to $4,617.29. *** *** *** has been credited for all sums paid $4,remains owing from *** *** *** to Marlin Business Bank Marlin Business Bank did not make an error as alleged by *** *** *** The maintenance contract sum was to increase every year as provided for within the contract between the parties Further, Marlin's counsel did not engage in the unauthorized practice of law as he simply was attempting to collect a debt owed to the company for whom he worked (i.e., he was not arguing in court, taking a deposition, providing legal advice to a potential client, etc..) Marlin Business Bank will certainly continue to engage in efforts to amicably resolve this matter with *** *** *** us why here

Everyone at Marlin endeavors to give all of our customers the best experience possible. The complaint to your office, on behalf of [redacted] (hereinafter “[redacted]) seems to involve a misunderstanding what an equipment lease is and how it is structured. An equipment lease is a...

long-term arrangement to rent equipment under which the lessee doesn’t save on interest by paying off the lease early. With an equipment lease, the lessee, in this case [redacted], has not agreed to pay principal plus interest; instead, [redacted] has actually agreed to a certain number of monthly payments at a fixed payment amount. In the case at hand, [redacted] has agreed to 48 months of payments at $471.68.   As noted above, Marlin takes customer complaints very seriously.  We want our customers to have positive experiences with our company and with our employees who provide services to our customers. A representative at Marlin reviewed [redacted]’s account and confirmed that the buyout information provided to [redacted] was accurate. As a result, there is no further action item for Marlin regarding this issue.   Thank you for your attention to this matter. Everyone at Marlin endeavors to give all of our customers the best experience possible. The complaint to your office, on behalf of [redacted] Service LLC (hereinafter “[redacted]) seems to involve a misunderstanding what an equipment lease is and how it is structured. An equipment lease is a long-term arrangement to rent equipment under which the lessee doesn’t save on interest by paying off the lease early. With an equipment lease, the lessee, in this case [redacted], has not agreed to pay principal plus interest; instead, [redacted] has actually agreed to a certain number of monthly payments at a fixed payment amount. In the case at hand, [redacted] has agreed to 48 months of payments at $471.68.  As noted above, Marlin takes customer complaints very seriously.  We want our customers to have positive experiences with our company and with our employees who provide services to our customers. A representative at Marlin reviewed [redacted]’s account and confirmed that the buyout information provided to [redacted] was accurate. As a result, there is no further action item for Marlin regarding this issue. Thank you for your attention to this matter.

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]

Complaint: [redacted]
I am rejecting this response because:
I do have copy of the statements as evidence that we make our monthly payments on time and according to the billing statement at the time.If you review this "business" in the Revdex.com it seems that is a common practice for them to have billing issues, we do not have any issues with any other creditor only this company, and it looks like this company have issues with almost all their clients.Like I said, there is complete unfair that this business have an A rating with the Revdex.com with all these complaints, which make us reconsider our own business accreditation since it is my understanding that persons and business relay on Revdex.com accreditation and rating to do business with a company.
Regards,
[redacted]

Marlin is confused by this complaint. There seems to be a communication issue between [redacted] and Marlin. In the complaint, [redacted] requests a desired settlement of Marlin picking up (repossessing) the copiers and no longer contacting him.The only reason Marlin is in contact with [redacted]...

is to arrange for the repossession of the copiers from him. Marlin made arrangements to have a third party pick up the copiers on January 16 , 2017. The third party picked up the copiers as instructed.We are not sure why [redacted] placed this complaint as the matter was resolved as of 01/16/17. There will be no need for further communication between the parties as a result.

Complaint: [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,
[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 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 Better...

Business Bureau 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: There are always added fees to the statement. They are slow to process payment and quick to add late fees. They add insurance and insurance tax that was never disclosed at the time of purchase. Then a bill for estimated tax they cannot explain or show proof that it is a real tax bill. Then they take your payment and put it on the tax bill and not on the monthly payment and charge a late fee for no payment. We have done several lease purchases over the years Marlin is a nightmare. This system we bought that Marlin holds the lease/purchase on is on our K1 tax return.Taxes are being paid on this unit. My insurance covers this equipment I don't need theirs. This company is a SCAM!Desired Settlement: I want all late fees ,tax fees and insurane fees and taxes returned. I want all this nonsense to stop. If anything has been reported on my or my company credit to be removed.

Business

Response:

On or about April 13, 2012, Marlin Business (“Marlin”)

entered into a commercial lease transaction (the “Lease”) with [redacted] (the “Lessee”). The Lease clearly sets forth express

contractual terms: The Lessee’s allegations are misplaced because the Lease

plainly contains provisions addressing the invoicing of interim rent.

Review: At [redacted] we have paid Marlin for leased equipment on time for many months. We had a few occasions when payments were either misapplied or received late, due to Marlin not billing the correct location or not billing the correct department. We have spoken to Marlin over and over again and provided cancelled check copies to them on payments. At one point they admitted to making the mistake and said they would waive our supposed late fees due to their error. They refuse now to apply our payments to actual invoices. They are taking our remittance and applying it to outrageous late fees which they agreed to waive in conversations and emails. They have continued to call me and my staff sometimes up to 10 to 15 times a day even though we are in constant email contact with them and even though all our invoices are paid and up to date. We asked them to stop calling and harrassing us every single day and they claim it's a computer and they cannot stop it? Instead of paying by check, we offered to pay them by ach direct deposit and they refused. We think they do this on purpose so they can "lose" and "misapply our paper checks" so late fees can be charged all the time. Their late fee system is a major scam. We need them to stop harrasing us at [redacted] and we are cancelling our business with them. It's not worth all the aggravation they have put our AP dept through. Do not lease from this company unless you want your life to become a living nightmare. We have thousands of vendors we deal with, we are a huge corporation, we have no problem with our vendors like we have with Marlin. We have never seen a lease company that operates this poorly and continues to misapply payments and misbill. We should buy our equipment rather than lease with them. That was a huge mistake on our part getting involved with this company.Desired Settlement: We would like for them to stop harrassing us at [redacted] and calling us up to 15 times a day.We would like for them to waive all late fees due to the fact that they misbilled us over and over again.That is pretty much all we are asking for.

Business

Response:

Please accept this letter in response to Revdex.com Complaint #[redacted] submitted by [redacted] on behalf of [redacted] (hereinafter “[redacted]”) regarding the above referenced Leases. In **. [redacted]’s letter, [redacted] questioned Marlin Leasing Corporation’s (hereinafter “Marlin”) payment application process and late fees.

Review: A Settlement and Release Agreement was signed, and paid off in April 2011. Marlin Leasing fails to fulfill their side of the agreement and continues to bill for amounts already agreed to be released. The communication is harassment by means of at least 2 automated calls daily.Desired Settlement: The account needs to be credited, and closed, per the Settlement and Release Agreement dated 4/27/11.

Business

Response:

Please see attached

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted]. If the action taken, per their response letter, was actually completed, this resolution is satisfactory to me.

Regards,