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Complaint Details
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Initial Complaint
11/15/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I purchased a 2013 *** ****** truck from the ***** dealership me and my wife at the time both signed all the paperwork and registration for the vehicle. I went through a divorce and fell behind on my payments, but was able to catch them back up. I paid $30,000. I put $9000 down as of right now I owe $2000 to pay off the truck, I called global, lending to ask them where the title would be mailed after it’s paid off at that point I found out that my name is not on the title only my ex wife’s name is on the title, the ********* dealership and requested that they send the title back so they can put my name on it to fix it with that said, global lending is refusing to send them the title to put my name on it because as of right now I cannot put a tag on the truck because it’s not registered to me because they messed up the paperwork. I lost my job because I cannot put a tag on a vehicle , including the fact that when I pay it off, I cannot do anything with the truck after I just paid all of this money they are expecting me to pay it off and then they will send out the title which will go to my ex-wife that has not paid a dollar towards that truck I’ve asked for their help to send a title back to be corrected. I signed all the paperwork they have it in their system, but my wife had tried to buy the truck for me, but was unable to so I had to go and redo all the paperwork to put my name on it , when that happened the ********* dealership mistakenly sent the DMV the wrong paperwork. I really need help to get them to send the title back to the dealership as requested so they can fix it and put my name on the title as it supposed to be, my ex-wife ran off, left me to raise my kids alone , now I’ll face this I’m not asking them to give me nothing all I’m asking is that they send the title to the dealership so they are able to fix the issue of my name not being on the title I’m about to lose everything and please help me with what to do I attach the title paperwork I signed
Business response
12/04/2023
November 22, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ***** *****
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ***** filed with the Better Business Bureau (“BBB”) dated November 15,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
We appreciate his business. On October 12, 2018, ****** ***** and Mr. ***** entered into a Retail Installment
Sales Contract (“Contract”) for the purchase of a 2013 GMC Sierra from ****** ***** ******* **********. GLS was
assigned the Contract. Per the Contract, payments of $486.05 were due to GLS on the 11th of each month.
Our review determined the Contract is valid. He is responsible for completing payments per the Contract, regardless
of his title concerns.
On October 31, 2022, GLS charged off the account due to non-payment and the entire account balance came due.
GLS attempted to recover the vehicle multiple times before and after the charge off but could not locate it.
On January 11, 2023, his Contract reached its final payment date.
On October 25, 2023, Mr. ***** advised GLS that he was unable to register his vehicle with the Department of Motor
Vehicles due to his name not being listed on the vehicle’s Title. This is the first time GLS was notified and/or made
aware of his concerns regarding title and registration.
As of today, the account has a deficiency balance of $2,005.12. While GLS can legally recover the vehicle due to the
default, as a courtesy, GLS will allow him to keep the vehicle if he completes full monthly payments. If he does not
continue to complete payments, GLS will again attempt repossession.
Once the account is paid in full, GLS will reach out to the Dealer to update the Title. Please note, GLS releases the
Title to the Borrower’s address on the account. It is important for him to communicate with GLS on the occasion he
wishes to pay off the remaining balance.
Please note, if he does not intend to pay off the remaining balance, he must advise GLS where the vehicle is located
so it can be recovered. GLS is the valid lien holder of the vehicle, and the Contract has been in default status since
2022.
GLS sincerely appreciates his feedback. If he has any questions, we can be reached at *************
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
11/15/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. The following inquiries are unauthorized, and I ask that you delete them: Global lending service Inquiry from global lending service on 05/24/2023? I don’t recognize this lender and I don’t remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.Customer response
11/22/2023
[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.
Regards,
******* **********Business response
11/22/2023
November 21, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******* **********
Application No.: *******
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ********** filed with the Better Business Bureau (“BBB”) dated
November 15, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our
attention.
On May 24, 2023, GLS received Mr. ************ financing application from ******* ******** ***** ****
*** and obtained a copy of his credit bureau reports as part of the credit application process.
Due to his inquiry which stated that the credit application was unauthorized by him, we have enclosed
the Credit Inquiry Request Removal form for him to complete and return to GLS. Please find enclosed the
form for further instructions.
Once GLS receives the completed form, his request will be submitted to the applicable credit bureau(s)
within 15 days of receipt.
If Mr. ********** has any additional questions, he may contact us at *************
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
11/13/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with **** ****** ******. I do not have a contract with Global Lending Services. They did not provide me with the original contract as requested.Business response
12/04/2023
November 20, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******* *******
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ******* filed with the Better Business Bureau (“BBB”) dated November
13, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
We appreciate his business. On August 24, 2018, Mr. ******* entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2018 ****** ****** from **** ****** ******. GLS was assigned the Contract. Per
the Contract, payments of $510.53 were due to GLS on the 15th of each month. Our records indicate that he received
a copy of this Contract on the date of purchase. We have enclosed the Contract per his request. Please note, this is
the first time we have notice that he requested the Contract.
Our review determined the Contract is valid.
On February 28, 2019, GLS charged the account off due to non-payment. The account was past due for all invoices,
from October 2018 – February 2019.
On May 8, 2019, GLS repossessed the vehicle due to non-payment. The account was past due for all invoices, from
October 2018 – April 2019.
On June 5, 2019, GLS sold the vehicle at auction and applied the proceeds to his deficiency balance.
On May 25, 2022, GLS charged the account off due to non-payment.
We have reviewed his account and determined that GLS is compliant with all applicable federal and state laws. GLS
is unable to remove the account from his credit reporting because GLS is required to report accurately under the
FCRA.
If he believes that he is a victim of identity theft, and that he did not purchase the above-referenced vehicle, he may
call ************, and advise the same. Please note, he must complete an affidavit and provide a valid photo
identification in order to proceed with a true identity theft claim.
As of today, his deficiency balance is $14,449.14. Please note, there may be payment options available to him. If he
would like to discuss these options, he may contact the GLS Deficiency Balance Team at ************.
We appreciate his feedback.
Thank you,
Shannon GillespieInitial Complaint
11/06/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
You will have an extremely difficult time getting in touch with anyone when you need them. No local office, no way to get help from anyone but your assigned agent, no way to leave a voicemail for your agent, and if you call 5 times a day for 2 weeks, they’ll never be available. Powerless customer service representatives will tell you they’ll leave a message for your agent to get back with you, but neither party will follow through. You barely have access to any information or documents in the GLS portal. You have to call to get your interest rate or any other basic information that should be available online. If you’re in an accident and actually need their help, you’ll probably have exactly zero luck. DONT DO THIS TO YOURSELF. Their rates aren’t good anyway.Business response
12/04/2023
November 16, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******* *****
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ***** filed with the Better Business Bureau (“BBB”) dated November 3,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On June 29, 2021, Ms. ***** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2017 ******* ***** ** **** ** **** *******. GLS was assigned the Contract.
Per the Contract, payments of $403.77 are due to GLS on the 12th of each month.
Our review determined that GLS did not timely respond to your requests. We sincerely apologize for your customer
service experience which fell outside GLS’s expectations for their agents. We have ensured that these agents are
coached to provide better service in the future.
On October 26, 2023, GLS was made aware that Ms. ***** was involved in a total loss accident.
On October 27, 2023, the Total Loss letter was sent to her and a GLS agent attempted to contact her regarding the
next steps in the total loss claim. On the same day, GLS received her email requesting the interest rate on the
account. Our records indicate that GLS responded with the requested information.
On November 1, 2023, GLS received her email requesting documentation to assist with her GAP claim. We have
confirmed that the Total Loss Ambassador did not receive the full email, due to an internal administrative error,
which is why they did not respond.
Between the dates of November 1 and November 3, 2023. Ms. ***** contacted GLS requesting to speak to the Total
Loss Ambassador assigned to her claim. Records indicate that attempts to contact the agent were unsuccessful,
however, the agents she did speak to did offer to assist her, but she declined.
On November 3, 2023, a call-back request was submitted for the specific agent to call her back regarding her total
loss, and on the same day, the agent returned her call and assisted her with her questions.
On November 6, 2023, GLS received a check from Ms. *****’s insurance for $10,752.10.
On November 7, 2023, GLS submitted the GAP claim on her behalf, and on November 8th, GLS canceled the VSC
coverage. GLS is currently working with the providers to settle the claims and obtain all possible benefits on her
account.
We hope this resolves her immediate concerns, and we appreciate her making us aware of her experience so that
we address this with the appropriate manager. Please note that the GLS Escalations Team has attempted to contact
her regarding her concerns. The Total Loss Ambassador assigned to her claim will also contact her to ensure she
understands and has everything she needs related to the total loss claim. If she has any additional questions, she
may contact the Escalations Team directly at ************.
GLS sincerely appreciates her feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
11/01/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
SOLD the vehicle to ********** **** ********* they sent them a check to payoff the vehicle. They also sent them a check for the warranty I canceled for $1340 I still haven't received the refund for the $1340 and its been a month. Was told by the dealership I should have received the money by now.Business response
11/17/2023
November 8, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ****** **********
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ********** filed with the Better Business Bureau (“BBB”) dated November
1, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
We appreciate his business. On November 30, 2021, Mr. ******** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2017 ********* ****** from AN ********* **** **********. GLS was assigned
the Contract. Per the Contract, payments of $752.13 were due to GLS on the 28th of each month.
On October 11, 2023, GLS received a payoff in the amount of $32,448.81 from the Dealer and the account status
was updated to paid in full. Our records indicate that this is the only payment received from the Dealer.
We have reviewed his concerns and determined that GLS has not received any funds for the cancelation of his
ancillary product. Further review found that his VSC coverage has not been canceled. Mr. ********** is welcome to
cancel his coverage through GLS, but to receive the funds quicker, we encourage him to work with the Dealer
directly.
If Mr. ********** would like to cancel his VSC coverage with us or has any additional questions, he may contact the
GLS Escalations Team at *************
GLS sincerely appreciates his feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
10/24/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
My spouse and I had a vehicle loan with Global Lending, which entailed a 2021 **** ******. On 9/01/2023 we purchased a new vehicle from **** ***** ****** in Bastrop, Texas, with a trade in which was the 2021 **** ******. On 9/ 13/2023 that vehicle was paid off and a letter was emailed to me. On 10/23/2023, I called Global Lending to check the status of our refund for the third party ***, and twice they have someone that answers the phone that you cannot understand and they tell two different stories each time. A represenative told me today from the customer service department that I will not be receiving a refund until 11/20/2023. I stated the question to asking him why so late? He stated that out car loan was just paid off on 10/22/2023. I have the letter when it was paid off on 9/13/2023. I am filing a complaint on this company because i strongly believe that they are doing fraudulent practices and I want them look into.Business response
11/07/2023
November 1, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ********** *****
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ***** filed with the Better Business Bureau (“BBB”) dated October 24,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On May 31, 2021, Ms. ***** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2021 **** ****** from ***** ******* **** **********. GLS was assigned the
Contract. Per the Contract, payments of $589.75 were due to GLS on the 20th of each month.
On September 13, 2023, GLS received a payoff of $21,613.29 from **** ***** ******.
On September 20, 2023, GLS submitted a cancelation request for your *** coverage.
On September 28, 2023, GLS was advised by *** that the Dealer would need to submit the cancelation request.
On October 2, 2023, GLS contacted the Dealer regarding the *** cancelation and on October 3, 2023, the Dealer
responded stating that the cancelation request was submitted on September 22, 2023, and to allow 4-8 weeks for
the refund to be issued.
On October 23, 2023, Ms. ***** contacted GLS requesting an update on her *** refund. Our records found that
she was provided with incorrect information regarding the date of the refund and the date GLS received the payoff.
We apologize for the miscommunication. The situation has been brought to management’s attention and the agent
will be coached accordingly.
We have reviewed her concerns and determined that GLS timely and accurately applied the payoff amount to the
account. Our records also show that GLS timely submitted the request for *** cancelation and has worked diligently
with the *** provider and the Dealer.
On October 31, 2023, GLS received the refund check from the Dealer and the refund will be sent to Ms. ***** shortly.
We thank her for her patience.
Please note, Ms. ***** has been in contact with the GLS Escalations Team regarding her concerns. If she has any
questions, she may contact the Escalations Team directly at *************
GLS sincerely appreciates her feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorBusiness response
11/07/2023
November 1, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ********** *****
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ***** filed with the Better Business Bureau (“BBB”) dated October 24,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On May 31, 2021, Ms. ***** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2021 **** ****** from ***** ******* **** **********. GLS was assigned the
Contract. Per the Contract, payments of $589.75 were due to GLS on the 20th of each month.
On September 13, 2023, GLS received a payoff of $21,613.29 from **** ***** ******.
On September 20, 2023, GLS submitted a cancelation request for your *** coverage.
On September 28, 2023, GLS was advised by *** that the Dealer would need to submit the cancelation request.
On October 2, 2023, GLS contacted the Dealer regarding the *** cancelation and on October 3, 2023, the Dealer
responded stating that the cancelation request was submitted on September 22, 2023, and to allow 4-8 weeks for
the refund to be issued.
On October 23, 2023, Ms. ***** contacted GLS requesting an update on her *** refund. Our records found that
she was provided with incorrect information regarding the date of the refund and the date GLS received the payoff.
We apologize for the miscommunication. The situation has been brought to management’s attention and the agent
will be coached accordingly.
We have reviewed her concerns and determined that GLS timely and accurately applied the payoff amount to the
account. Our records also show that GLS timely submitted the request for *** cancelation and has worked diligently
with the *** provider and the Dealer.
On October 31, 2023, GLS received the refund check from the Dealer and the refund will be sent to Ms. ***** shortly.
We thank her for her patience.
Please note, Ms. ***** has been in contact with the GLS Escalations Team regarding her concerns. If she has any
questions, she may contact the Escalations Team directly at *************
GLS sincerely appreciates her feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
10/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Global Lending Service. The vehicle was repossessed and defaulting on payments at this point is inaccurate. The account that you’re reporting is identified as a repossession, yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. So please, immediately remove this account and its entirety from my credit file.Business response
11/07/2023
October 31, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ****** ********
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ******** filed with the Better Business Bureau (“BBB”) dated October 23,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On February 13, 2020, Ms. ******** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2020 Kia Optima from **** **** GLS was assigned the Contract. Per the Contract,
payments of $688.77 were due to GLS on the 29th of each month. Our records indicate that she received a copy of
this Contract on the date of purchase.
Our review determined the Contract is valid.
On December 10, 2021, GLS spoke with the customer and was informed that the vehicle had been impounded.
On December 20, 2021, GLS repossessed the vehicle due to non-payment. The account was past due for the
September – November 2021 invoices.
On February 23, 2022, GLS sold the vehicle at auction and applies the proceeds to the account.
On February 28, 2022, GLS charged the account off due to non-payment. The account was past due for the
September – December 2021 and January and February 2022 invoices.
We have reviewed her account and determined that GLS is compliant with all applicable federal and state laws. GLS
is unable to remove the account from her credit reporting because GLS is required to report accurately under the
FCRA.
As of today, her deficiency balance is $19,623.42. Please note, there may be payment options available to her. If she
would like to discuss these options, she may contact the GLS Deficiency Balance Team at ************.
We appreciate her feedback.
Thank you,
Shannon G********
Senior Consumer Complaints CoordinatorInitial Complaint
10/11/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
My car was repossessed on 10/04/2023. I’ve called numerous times to have the letter of repossession sent to me by email. I’ve spoken to four different people and they stated I can’t have that letter. I got one person and she stated that the letter would be sent by email. I checked as I was in the phone and I never got the letter. This company lies and then makes a weird attempt at covering up their lies. They repossessed my car and I made a payment on 09/2023 I was told that if I made the payment that I would have an opportunity to ask for a payment extension. It never happened and they took the car anyway.Business response
11/16/2023
October 19, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******** *******
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ******* filed with the Better Business Bureau (“BBB”) dated October 10,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On November 4, 2020, Ms. ******* entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2018 **** ****** from **** ***. GLS was assigned the Contract. Per the Contract,
payments of $414.05 were due to GLS on the 8th of each month.
On August 30, 2023, GLS assigned the vehicle out for repossession as her account was past due for her June – August
2023 invoices.
On September 7, 2023, Ms. ******* was advised that if she completed two (2) full payments for her June and July
2023 invoices, she could get an extension for her August and September invoices and that the repossession order
would be canceled.
On September 20, 2023, Ms. ******* completed a payment for her June 2023 invoice, but she did not complete the
required 2nd payment in order to get the extension. However, as a courtesy, the repossession order was placed on
a 5-day hold to allow her time to complete another payment.
On September 25, 2023, the hold on the repossession order was removed because no payment was received.
On October 4, 2023, GLS repossessed the vehicle as the account was past due for her July – September 2023 invoices.
On October 5, 2023, Ms. ******* was emailed the Notice of Account Reinstatement Options, encouraging her to
contact GLS to discuss reinstatement options for her to get the vehicle back.
On October 6, 2023, GLS mailed her the Notice of Out Plan to Sell Property (“NOS”), advising her she has until
October 19, 2023, to pay to reinstate the account. On the same day, Ms. ******* advised a GLS agent that she was
not interested in reinstating the account.
On October 10, 2023, Ms. ******* contacted GLS requesting a letter of repossession via email. Our records indicate
that her request was fulfilled, and the Notice of Account Reinstatement Options was sent to the email address,
*********************
We have reviewed her concerns and determined that GLS sent all of the legally required notices regarding the
repossession to her. For her records, we have enclosed with Notice of Account Reinstatement Options and NOS.
Please note, the GLS Escalations Team has attempted to contact Ms. ******* regarding her concerns. If she has any
additional questions, she may contact the Escalations Team directly at *************
GLS sincerely appreciates her feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
10/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
this institution is committing usurious violations within the state of Texas. they are charging me double of what the state of Texas regulates regarding interest. Title 4. CHAPTER 302. Subchapter A. Section 302.001Customer response
11/15/2023
October 16, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******* ******** **
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated October 6,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
We appreciate his business. On November 25, 2022, Mr. ******** entered into a Retail Installment Sales Contract
(“Contract”) with Bacliff Auto for a 2018 **** ********. The contract was assigned to GLS. Per the Contract,
payments of $701.02 are due to GLS on the 9th of each month. We have confirmed that the Annual Percentage Rate
(“APR”) of 19.70% is compliant with the state of Texas.
He signed the Contract (enclosed) with conspicuously disclosed the APR for the purchase of the vehicle. We have
confirmed that the finance charge was within the correct usury limits per the Texas Finance Code.
We have reviewed his concerns and determined that GLS is compliant with all applicable federal and state laws. We
deny his request for a refund.
As of today, his account is current, and his next payment due date is November 9, 2023.
We appreciate Mr. ********** feedback. If he has any additional questions, he may contact us at ************.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorCustomer response
11/15/2023
October 16, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ******* ******** **
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated October 6,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
We appreciate his business. On November 25, 2022, Mr. ******** entered into a Retail Installment Sales Contract
(“Contract”) with ******* **** for a 2018 **** ********. The contract was assigned to GLS. Per the Contract,
payments of $701.02 are due to GLS on the 9th of each month. We have confirmed that the Annual Percentage Rate
(“APR”) of 19.70% is compliant with the state of Texas.
He signed the Contract (enclosed) with conspicuously disclosed the APR for the purchase of the vehicle. We have
confirmed that the finance charge was within the correct usury limits per the Texas Finance Code.
We have reviewed his concerns and determined that GLS is compliant with all applicable federal and state laws. We
deny his request for a refund.
As of today, his account is current, and his next payment due date is November 9, 2023.
We appreciate Mr. ********** feedback. If he has any additional questions, he may contact us at ************.
Thank you,
Chelsea P*****
Senior Consumer Complaints CoordinatorInitial Complaint
10/04/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I set up an automatic payment from my checking account on 9/8/2023. I never saw the E-check pend or post to my bank account. I called my bank and they also saw no record of the 600$ payment coming in. I called Global Lending Services (GLS) 3 times and was told it takes a while when you pay by check for the check to post. on 9/26 I received a letter stating the check was returned. I contacted my bank again and was told again there was still no record of a check being returned. I called GLS and was told I needed to speak to the escalation department but after waiting on hole over 37 mins the first time and 42 minutes the second time I was unable to reach anyone. So, to avoid any additional issues and until I could figure out what exactly was going on, I made 2 additional payments. On 9/22/2023 I paid GLS $595.87 as I was told that was the amount due. Then on 9/26/2023, I paid another $600.00. Now I receive a very threatening letter from GLS "Notice of Default and requirement for strict compliance" which states my credit report will be impacted and that they will "exercise their "rights by law" stating I have a past due amount of $1245.11 which is a flat out LIE! I just called GLS 10/3/2023 and was told by the rep that according to her system, my account is up to date and shows nothing past due. I have had nothing but problems with this subprime lender & I'm paying for a 2019 Jeep that is a lemon. I have had transmission problems, engine problems & other problems & have paid over 7000$ in repairs . And in spite of all the problems I am still making payments & it's not running again. Now being threatened with repossession of the vehicle even though I was just told today that my account is up to date. I want this matter rectified ASAP and there should be no negative reporting on my credit. I still owe over 20,000$ on this vehicle which I tried to trade and the value is now only 10,000$. GLS reps are never on the same page and showing varying amounts.Business response
11/15/2023
October 13, 2023
Submitted electronically via BBB Portal
Attention: Cindy R*****
Re: ***** ******
Account No.: **********
BBB No.: ********
Dear Ms. R*****,
This letter is in response to the inquiry Ms. ****** filed with the Better Business Bureau (“BBB”) dated October 3,
2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
We appreciate her business. On January 24, 2022, Ms. ****** entered into a Retail Installment Sales Contract
(“Contract”) for the purchase of a 2019 **** ******** from ****** ******* GLS was assigned the Contract. Per the
Contract, payments of $581.74 are due to GLS on the 10th of each month.
On September 7, 2023, Ms. ****** contacted GLS and made a $600 ACH payment to satisfy her August 2023 invoice,
using an account number ending in ****.
On September 11, 2023, she contacted GLS again and advised that her payment had not yet posted to the account,
nor was it deducted from her bank account. On this call, the agent informed her that ACH payments can take a few
days to process before they are posted to the account.
On September 20, 2023, GLS was notified that the payment made on September 7th was reversed due to insufficient
funds.
On September 21, 2023, GLS mailed Ms. ****** a letter advising her of the returned payment and a Notice of Default
and Requirement of Strict Compliance (“RTC”) as her account was past due for her August and September 2023
invoices.
On September 22, 2023, she completed a payment of $595.87 to satisfy her August 2023 invoice, and on September
26, 2023, she completed a payment of $600 that satisfied her September 2023 invoice. Our records show that these
payments brought the account current.
On October 3, 2023, Ms. ****** contacted GLS regarding the RTC she received. On this call, she was advised that
her account was current, but was also advised to call back the next morning to speak with the GLS Escalations Team
regarding the notice.
We have reviewed her concerns and determined that GLS correctly applied all payments to her account and correctly
sent out the required notices on the account. It was determined that Ms. ****** received the RTC after she had
brought the account current. We believe this was simply a timing issue.
As for her concerns regarding the September 7th payment, we encourage her to contact her bank for further
information. Our records indicate that the ACH payment was initially processed, and then was charged back.
On October 9, 2023, Ms. ****** spoke with the GLS Escalations Team and as a courtesy, we waived $29.24 in late
fees. If she has any additional questions, she may contact the Escalations Team directly at *************
As of today, her account is past due for her October 2023 invoice in the amount of $501.33. We encourage her to
complete a payment at her earliest convenience.
GLS sincerely appreciates her feedback.
Thank you,
Chelsea P*****
Senior Consumer Complaints Coordinator
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Customer Complaints Summary
416 total complaints in the last 3 years.
191 complaints closed in the last 12 months.
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