Complaints

• Initial Complaint

  01/15/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a medical device in Sept 2024 and financed it through PEAC solutions (this company). The amount of the device and amount financed was $20, 349. The terms were 63 month ($0 for 3 months and then $450.05 for 60 months). My first payment is due January 2025. When I was initially going through payment options with one of their specialists, I told him multiple times that I had all intentions of paying off the device in January. I kept looking at my balance due and even emailed them for a payoff quote and I kept getting $27,000. I asked multiple times why is went from $20,000 to $27,000 in less than 4 months. They kept saying I have to pay the full amount. Well, what they do is they precharge you for the total number of payments, in my case 60 months ($7,000), and make you pay the entire 5 years, even if you want to pay what you financed off the first month you owe a payment. This was not CLEARLY stated in all the paperwork I signed. No one ever CLEARLY said you will have to prepay for 60 months, even if you pay it off early. How can someone make you pay $7,000 EXTRA dollars for 5 years you never use if you pay off the original amount financed in the first month? It is robbery and it's crooked, and they be allowed to do it. My amount financed went from $20,000 to $27,000 basically overnight and they force you to pay the entire 60 months regardless of when you pay it off.

  

  Business response

  01/15/2025

  Good Afternoon- We do apologize for any inconvenience or dissatisfaction you may have experienced with dealing with our organization. Please know that we at Marlin Leasing Corporation DBA PEAC Solutions remain committed to delivering the highest level of customer satisfaction and value your feedback.  We have located your account and will be in touch regarding your concerns.  Thank you

• Initial Complaint

  08/19/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This company has charged me "late fees" almost every month. When I call to complain they blame it on the postal service but all my other bills are paid on time. Then they want me to put my information into their website for payment. Nope, not happening. But, I did set up my bank with their information for payments to be made from my bank. I sent 4 payments, 1 payment was applied correctly and the other 3 were not applied, not sure where or what happened there. I called them and after a hour or more on the phone with them and proving the payments were made and checks cleared, they still the following week turned me into a collection agency. Yes, I went several weeks back and forth trying to clear this up. I think its might be cleared up but I am really not sure how this messed my credit up. This was two months ago and I still have not received another invoice from them. I am very bothered by the fact a company can ruin someones credit when in fact all payments had been made. I would like to have a letter of apology, and proof that they did not affect my credit. I would also like several of the past due amounts I paid returned to me. Unfortunately, I am in a lease and can not get away from this company for sometime. But I do not want this to continue to happen.

  

  Business response

  08/20/2024

  Good Morning- We do apologize for any inconvenience or dissatisfaction you may have experienced with dealing with our organization. Please know that we at Marlin Leasing Corporation DBA PEAC Solutions remain committed to delivering the highest level of customer satisfaction and value your feedback. We have located your account and will be in touch regarding your concerns. Thank you, ****- Customer Ambassador

  Customer response

  08/20/2024

  
  Complaint: 22164481
  
  I am rejecting this response because:
  
  You didnt solve anything.   Like always just words.   And right after I sent this complaint you did the exact same thing.  I got another letter in the mail past due, late fees and so on.   I paid my payments and the checks have cleared.   I  filed another complaint today.   I also sent your company on all the occasions proof of payment and then you still turned me into a collection agency.   You also are committing insurance fraud with my insurance company on the fire I had in May.  Demanding they pay the buyout contract.  I told you, they will only pay for the cost of the replaced equipment.  But, you and Sentry surveillance can not give me a detailed invoice with dates, model numbers, etc   Sentry did send an invoice of $14,000.   I sent my insurance the pics of the equipment, with all the information they asked for.   But they need this information from sentry.   And marlin leasing said the cost wasnt $15,000 for replacement, no invoice.  I found the same cameras for $225 a piece and sentry and marlin have inflated the cost to $2,500 a piece.  And made me sign a new contract, but still using some of the old equipment from the original contract but still want me to pay a ridiculous amount and extend the contract.   I feel very much like a victim here.   

  Regards,
  
  *************************

• Initial Complaint

  12/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am being over charged and continues extra charges are being added.

  

  Business response

  12/18/2023

  PEACs Quality Control Manager and Customer Ambassador spoke to ******************************* regarding the concerns set forth in BBB Complaint ID ******** on December 11, 2023. Due to the situation at hand and in an effort to mend the relationship, PEAC adjusted multiple late charges billed to ******** Legacy II, LLCs account. On December 18, 2023, PEAC was able to connect with ******** Legacy II, LLCs bookkeeper, ******. Our ************* team assisted ****** with updating the account information needed to utilize our self-serve portal for online payment. We do hope that ******************************* finds the actions taken to rectify the situation agreeable.

• Initial Complaint

  12/05/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  They financed a vehicle that was purchased in May, 2023 and we were unable to Locense the Vehicle until November, 2023. Once the vehicle was licensed it broke dowm within a fer times of use.The have pulled unauthorized funds from my Bank account as well

  

  Business response

  12/21/2023

  Upon receipt of BBB complaint ID ********, ************************************************* (PEAC) immediately reached out to ***************************** to address the feedback set forth in his complaint. Our ************* Manager,*******, diligently worked with ******************** and his Vendor to resolve his concerns. Due to the situation, PEAC adjusted the terms of the agreement held between our organization and Mr. ********* business, Plumbing Done Right LLC. As a result, ******************** not only agreed to remove all negative social media posts,but he also left ******* a glowing Survey Monkey response that pointed to her professionalism and dedication to resolving his issue. As of this date, Mr. ********* Trustpilot review is no longer public. Due to the actions taken to rectify the situation and the adjustments made to the account, PEAC considers this matter resolved. We respectfully await the removal of Mr. ********* adverse Yelp review and ******** comment.

• Initial Complaint

  06/05/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  We cancelled our service with Marlin in June 2022 and we were never sent a return authorization for us to send the leased copier back to them, despite multiple emails and phone calls requesting this. They have been charging us the monthly lease fee despite the fact that our new copier company took the machine from the premises in June 2022. I have requested over many months the required Return Authorization from them to have the copier returned to them and they will not resolve this, thus resulting in more fees each month and it's been turned over to collections. Marlin will not respond to help me with this over the phone or via email requests. These charges are not valid and all I want is for Marlin to send a Return Authorization to me so that our current copier company can send the machine back to them, and that the entire amount of what they say we owe is dropped as they are NOT valid. They will be able to see that the machine has not been used in a year based on the counter readings.

  

  Business response

  06/15/2023

  PEACs Vendor Services Manager, ***********************, spoke to *********************************** on Thursday, June 8, 2023, regarding the concerns set forth in her complaint.  PEAC has since taken the steps necessary to implement the return of the equipment.  Both parties find the actions taken to rectify the situation agreeable and consider this matter resolved.

• Initial Complaint

  04/11/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I was deducted money for an account that was paid off and they refuse to return my money... They keep telling me that they will refund it but then state there was a problem and going to correct.

  Customer response

  04/13/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  From: ************************* <********************>
  Sent: Wednesday, April 12, 2023 3:05 PM
  To: Better Business Bureau <**************************************************>
  Subject: Re: You have a new message from the BBB of ********** in regards to your complaint #********.

   

  Complaint has been resolved please consider this matter closed.  

   

  
  
  Regards,
  
  *************************

• Initial Complaint

  10/19/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  1. The website is absolutely awful. Not clear at all on where my payments are being placed when I pay each time. It seems as thought I will pay for one of my ********** ****** only place part of the payment on that acct and the rest of the payment goes to other accounts without my knowledge. 2. No one is consistent in what they say. Statements say one thing, website says another, & then i talk with someone on the phone and they say something else. Example, one of my accounts, i get a statement saying that i owe for this month, have a past due amount, as well as a late charge, yet i talk to someone on the phone ****** state that we are up to date on that account. That is the case for many of my accounts with them. How am i suppose to know where I am at with my accounts or where my payments are being placed if everywhere and everyone says something different?3. When I make a payment for the certain amount for the certain account, that amount should be placed to that account and that account only. The fact that it is being placed on other accounts without my knowledge makes it very difficult to keep track of my payments and where I am at. 4. If I am using a company, i expect the charges and payments to be as clear as day. Their website is the worst I have ever seen. Not clear at all where my payments are going & the late charges that I get because of this is ridiculous. If I pay for one account, and only a part of that payment goes to that account, and the rest gets put to another account without my knowledge, how is it fair that I am getting a late charge for that account that I thought i paid for, but they split the payment without my knowledge.

  

  Business response

  10/26/2022

  PEACs (fka Marlin) Quality Control Manager and Customer Ambassador, ******, worked with ***************************** to rectify the concerns set forth in his complaint.  Account information was provided, confusion surrounding the application of funds was explained,and any applicable adjustments were processed.  Both parties find the actions taken to rectify the situation agreeable and consider this matter resolved.

• Initial Complaint

  07/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  There are 4 accounts with this company and our family business. I have paid one of the accounts in full more than 6 weeks ago and they still show it unpaid and drawing interest and the other 3 they are not showing payments even though they have been being made. My bank has verified this to them and now they have sent threatening collections letters threatening to take the truck and equipment the loans are for. This loan company is definitely do negligent if not criminal business practice. I am in desperate need to get help with this company

  

  Business response

  07/20/2022

  To date, Marlin has not received a response to numerous attempts made to contact Signs ********* Systems LLC via telephone and email regarding their accounts and complaint.  Our Customer Ambassador attempted to reach *************************** via telephone on July 8th regarding the BBB complaint in question; a voicemail was left with no return call received.  A follow-up email was then sent to ************************** the address provided by *************************** in the BBB complaint on July 11th and subsequently forwarded to the email address on file ******************** on July 14th.  As of July 19th, Marlin has received no response to the contacts made before or after the BBB complaint in question was filed.  Customers check specified in the complaint was not sufficient to cover the amount due in order to close the account. After receipt of the BBB complaint, Marlin waived all open late charges and closed contract number *************** as paid in full using the check specified in the complaint.  Contract numbers ***************,*************** and *************** remain open and are currently delinquent.  In her complaint, *************************** indicates My bank has verified this to them and now they have sent threatening collections letters threatening to take the truck and equipment the loans are for.  Please note that a member of our ******************** spoke directly with Signs ********* System LLCs bank; it was confirmed by both Marlin and ************** bank that all submitted payments were received and applied accordingly.  Additionally,our Collections Manger, *********************, emailed ****************** on April 19, 2022, with a copy of all executed agreements along with a detailed payment history report showing payments received from Signs ********* Systems LLC.  Marlin will continue to reach out to Signs ********* Systems LLC in an effort to rectify the status of their accounts.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩