Complaints

• Initial Complaint

  09/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been scamming people and no one has done anything. My car was a total loss and paid for in full! But they still report it on my credit. I got a refund from *** ********* and GLS claimed they hadn’t received it! I have called them for over a month about this any everyone (even supervisors) seem oblivious. They won’t let you talk to corporate. There isn’t a number for corporate. The interest rate is double anyone else’s. We as a collective people (read the reviews) need Justice done with this company! Please help us. I am still waiting for my overpayment. And it was closed out on my credit report then opened back up which took 11 points from my score. It is still open on my credit report!

  

  Business response

  09/28/2023

  September 11, 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 August 31, 
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.   
  
  We appreciate her business. On February 10, 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 $370.76 were due to GLS on the 26th of each month.  
  
  Our review determined that GLS followed correct procedures related to the Total Loss and the *** claim check 
  processing. We understand her frustrations as it relates to the delay in receiving her overpayment, but we have 
  confirmed that this is not a direct result of GLS’s actions or inactions, and we are attempting to resolve her concerns 
  as soon as possible.  
  
  On June 20, 2023, was notified that her vehicle had been involved in a Total Loss incident.  
  
  On July 17, 2023, GLS received payment in the amount of $12,748.02 from ****, which satisfied the balance. 
  
  On July 19, 2023, GLS requested that the Dealer cancel the *** product that she purchased for the vehicle.  
  
  On July 31, 2023, GLS reported the account as paid in full to the credit bureaus. Since then, GLS has reported the 
  account the same, and has not re-opened the credit report, as stated in the BBB inquiry.  
  
  On August 17, 2023, GLS advised her that the *** refund check from the Dealer that was received could not be 
  processed, due to a stop payment that was placed on the check by the issuing financial institution. Please note, this 
  was not due to a GLS error.  
  
  On August 23, 2023, GLS spoke with the Dealer, who advised that they would issue a stop payment on the check and 
  issue a new one to GLS to be overnighted.  
  
  On September 5, 2023, GLS advised her that the check had not yet been received. We understand the check was lost 
  in transit. In an attempt to speed up the process, GLS contacted the Dealer, and they agreed to place a stop payment 
  on the second check, due to the delay in transit, and issue a third check.  
  
  On September 8, 2023, GLS received the check. We are working to issue her the refund as quickly as possible, and 
  she can expect to receive that soon to her address on file with GLS.  
  
  As of the date of this letter, the account is reporting as paid off, with a $0 balance.  
  
  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 her credit reporting because GLS is required to report accurately under the 
  
  FCRA.  
  
  We appreciate her feedback. If she has any further questions, she can reach out to GLS Customer Service at  
  *************** 
  
  
  Thank you, 
  
  Shannon G******** 
  Senior Consumer Complaints Coordinator 

• Initial Complaint

  08/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  GLOBAL LENDING SERVICES pulled my credit without my authorization on May 01, 2023 and I want it removed from my credit profile

  

  Business response

  09/28/2023

  September 7, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ***** *****
  Application No.: *******
  BBB No.: 20546373
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Mr. ***** filed with the Better Business Bureau (“BBB”) dated August 30,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  On May 1, 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 questions, we can be reached at *************
  
  
  
  Thank you,
  
  
  
  Chelsea P*****
  
  Senior Consumer Complaints Coordinator
  

• Initial Complaint

  08/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Global Lending Service LLC has not been able to explain to me why in almost 24 months, my monthly payments have not been applied to the principle of my loan. Also every time I speak to someone this is a different explanation about what is owed on my account.

  

  Business response

  09/21/2023

  September 11, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: Ashley G*****
  Account No.: **********
  BBB No.: ********
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Ms. G***** filed with the Better Business Bureau (“BBB”) dated August 29,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On December 10, 2021, Ms. G***** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2017 *** *** from ***** ***. GLS was assigned the Contract. Per the Contract,
  payments of $448.65 are due to GLS on the 9th of each month.
  
  We have reviewed the last 30 days’ worth of calls. Our review did not find that she requested information specifically
  about the principal, but we found that she had concerns regarding her outstanding fees. While our review did not
  find specific instances where agents were unhelpful as stated in her BBB inquiry, please know that if these instances
  were found, we would ensure it was addressed by GLS management.
  
  In June 2023, GLS repossessed the vehicle due to nonpayment. Within the same month, she reinstated the account
  by paying the amount owed, and the vehicle was released back to her. The payment she completed to reinstate
  satisfied her March, April, and May 2023 monthly invoices. She received an extension for her June 2023 invoice.
  
  GLS assessed a repossession fee of $402.80 due to the recovery of the vehicle. GLS has also since assessed late
  charges due to late payments. Prior to the repossession, she had a late fee balance.
  
  Please note, when she reinstated the account in June 2023, her payment did not pay off the outstanding fees. As of
  today, she has an unpaid late fee balance of $148.64 and a repossession fee of $402.80. These fees are valid. Please
  note, while fees do not accrue additional interest or impact on the overall status, they must be paid prior to the end
  of term of the contract. If she wishes to make payment on the fees directly, she can call GLS at the number listed
  below and request the same.
  
  Our review of the calls in August 2023, found that she believed she paid the fees with her reinstatement payment in
  June 2023. Our review of those conversations found that GLS agents provided accurate information by advising that
  the fees were still outstanding and unpaid.
  
  We have also reviewed her payments for the last 24 months. Contrary to the BBB inquiry, payments have been
  applied to the principal balance. However, the majority of each payment is applied to the existing interest balance.
  
  Please note, completing payments late delays the repayment of principal which results in additional accrual of
  interest. In order to avoid additional interest, it is important to complete payments on or before the monthly
  payment due date, which is on the 9th of every month.
  
  We encourage her to complete payments early and/or complete additional payments if she wishes to pay off their
  balance quicker than originally scheduled. As the principal is paid down, the daily interest accrued decreases. This
  means that a higher percentage of her payments will be applied to principal, rather than interest, if she continues
  
  to complete payments on time or early, going forward.
  
  We have enclosed a copy of the Principal and Interest Statement for her review.
  
  We have also included an Amortization Schedule. Please note, for future payments not yet completed, the
  Amortization Schedule assumes that payments will be completed in full on the due date.
  
  As of today, the account is past due for her August 2023 invoice in the amount of $148.64. We encourage her to
  complete a payment at her earliest convenience.
  
  Additionally, the GLS Escalations Team has attempted to contact her 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 Coordinator

• Initial Complaint

  08/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  A payment in the amount of $500.00 has been taken out of my bank account on August 17 2023. I have called GLS about it not showing up as a payment on my account. They have told me other payments that have posted and I keep telling them I am trying to find out where the 500.00 payment is that was posted on my bank August 17. Given an email address sent email told it would 48 to 72 business hours someone would get in contact. This is 500.00 that isn’t in my bank and isn’t showing as paid on GLS loan. I either want the payment sent back to my bank or posted to my gls. That’s a lot of money for no one to not know about why it isn’t posted

  

  Business response

  09/27/2023

  September 5, 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 August
  25, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  On February 26, 2022, Ms. ********* entered into a Retail Installment Sales Contract (“Contract”) for the purchase
  of a 2022 ****** ******** from ******* **** ****.
  
  We have reviewed her concerns and determined that GLS processed payments correctly and will not complete a
  billing adjustment as requested in the BBB inquiry.
  
  On August 9, 2023, GLS received a $500 ACH payment. While this payment was posted to the GLS account the same
  day, we understand that per her financial institution’s records, the funds did not disperse to GLS until August 17th,
  2023.
  
  On August 17, 2023, GLS received an attempt to complete a payment using a **** card for $550.26, but the payment
  failed. This was the only payment attempt that GLS received on this date.
  
  In the days following, GLS received several attempted payments for this account, but all failed.
  
  On August 23, 2023, GLS received a payment of $100. On the same day, she contacted GLS and asked why the
  payment she completed on August 17th was not yet applied. The agent reviewed the aforementioned **** payment
  attempt and advised that the payment had failed.
  
  On August 24, 2023, she contacted GLS and advised that a $500 payment was taken from her bank account on August
  17, 2023, but that this payment did not appear within GLS’s record. Again, the agent reviewed the **** payment
  attempt completed on the 17th and advised that our records indicate that the payment failed.
  
  The agent(s) did not consider that the ACH payment completed on August 9th would not be shown as processed on
  her financial institution’s bank statement until August 17th.
  
  We have confirmed that GLS has applied all payments accurately to the account.
  
  On September 1, 2023, the account is now paid in full. We appreciate her business and hope this resolves her
  concerns. GLS sincerely appreciates her feedback.
  
  If she has any questions, we can be reached at ************.
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/23/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I purchased a 2017 mustang in April from **** ****** **** and my contract was issued to me by global lending services. 30 days after I had my vehicle I went to pay the car note and was told my loan was canceled. I was never called or emailed about the matter. My loan was canceled because the company said my employers number was wrong. I reached out to them in hope my loan would be reinstated because of the confusion! I was told I had to return my vehicle instead! Leading to a job loss due to no transportation. Everything I gave them was legitimate. I was told they couldn’t verify my employment because no one from the main office was responding to their calls. Again this took place over a course of 30 days and not once did anyone call me!

  

  Business response

  09/07/2023

  September 1, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ***** *****
  BBB No.: ********
  
  
  This letter is in response to the inquiry Mr. ***** filed with the Better Business Bureau (“BBB”) dated August 23, 2023.
  Global Lending Services LLC (“GLS”) appreciates Mr. ***** bringing this to our attention and providing us the
  opportunity to address his concerns.
  
  GLS does not have a record of receiving a credit application for Mr. ***** from **** ****** ****.
  
  We have been unable to locate any credit application with the information provided in Mr. ******* inquiry.
  Unfortunately, we are unable to investigate this matter further.
  
  Please note, the GLS Escalations Team will attempt to contact him regarding his concerns. If he would like to provide
  any additional information to assist us with further review in locating an application, we encourage him to contact
  the Escalations Team directly at *************
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I filed for bankruptcy during covid. It was dismissed because I could not pay because i could not find work during covid. Global lending repossessed my car at least 6 months after my bankruptcy ended. I owed almost 16000 on the car at the time of repossession. The full purchase price was 21000. I had been making payments. They violated my lending and dealer contract by one not letting me have the chance to buy the car back. By two no sending me a single piece of paperwork about the repossession of the car. My dealer contract says they have to inform me by certified letter before repossession and after. I was sent nothing at all. I was also not notified of the sale of the car which they also waited past their contract time limits to sell. The have now been reporting the incorrect amount owed for 2 years on my credit report. They are claiming the bankruptcy put that amount on my credit report which just isn't true. How can I owe the same amount at the time of repossession after the car has been sold and they have received a check from the insurance agency. I asked why I received none of the paperwork my contracts require. First I was told they don't have to honor the dealer contract only the lending contract. Which I believe is illegal. Second I was told I didn't receive the paperwork because I was in bankruptcy. Which I was not at the time of repossession. They have completely violated my rights and contract. 2 years they have been reporting the wrong amount. 2 years they have lied to me every time I have called. Apparently they don't know how bankruptcy works. They don't seem to understand that when a bankruptcy is dismissed for not paying and closed. That there is no longer a bankruptcy. I have disputed this with the credit bureaus and it hasn't been removed because global lending is lying about the amount owed. If this cannot be solved her I will be filing a lawsuit. I have also reported them to the ftc.

  

  Business response

  09/07/2023

  September 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 August 22,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On July 19, 2019, 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 $434.14 were due to GLS on the 2nd of each month.
  
  On December 12, 2019, Ms. ****** filed for protection under Chapter 13 of the United States Bankruptcy Code.
  
  On April 3, 2020, Ms. ****** converted her bankruptcy to Chapter 7.
  
  On July 16, 2020, the Chapter 7 Bankruptcy case was closed without discharge.
  
  On July 29, 2020, GLS assigned the vehicle for repossession due to the past due balance on the account.
  
  On July 31, 2020, GLS charged off the account due to nonpayment.
  
  On November 16, 2020, GLS repossessed the vehicle. GLS later sold the vehicle, but the amount received from the
  sale was not enough to satisfy the remaining balance. Since then, GLS has reported the deficiency balance to the
  credit bureaus, which was owed since the bankruptcy was closed without discharge.
  
  Based on her concerns referenced in the BBB inquiry, GLS has requested that the Credit Bureaus delete the tradeline
  associated with this Contract. GLS will not report this account to the credit bureaus going forward.
  
  We hope this resolves her immediate concerns. We sincerely appreciate her bringing this matter to our attention so
  that we can offer resolution.
  
  If she has any questions, we can be reached at *************
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  

• Initial Complaint

  08/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is refusing to accept my extended contract on my vehiclle. I tried through various resources to fax them their agreed upon contract, they emailed me. I could not get it faxed thru numerous attempts up until today. I called them and informed them of me not being able to fax it., as well as emailed me regarding my delay, they d8d not reply, at all. Today I did get faxed; and they refused it; tried to force a payment instead; the vehicle has multiple malfunctioning, that are known and listed on the ******** ***** ******* *****. Electrical issues, no turnsignal, no air condition, no heated seats, the airconditioner settings does not work at all, (Hot Air is exhausting me,). I am a Veteran, the Dealer who orchestrated the contract did not set my pymnts on the 1st of each, per my request; this created unwarranted late fees, and decreased my credit score, in addition the car aggravates my military prexisting physical injuries;

  

  Business response

  09/07/2023

  September 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 August 22, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On November 3, 2022, Ms. **** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a **** ******* ******** from ********* ****** *********** GLS was assigned the
  Contract. Per the Contract, payments of $628.39 are due to GLS on the 18th of each month.
  
  On August 2, 2023, Ms. **** completed a payment for her June 2023 invoice and was approved for a 1-month
  extension for her July 2023 payment. On the same day, the extension agreement was sent to her via email.
  
  On August 10, 2023, she was emailed the extension agreement again and was advised that she had three (3) days
  left to send it back. Ms. **** advised that she would print the agreement out now and send it back.
  
  On August 15, 2023, GLS received an email from Ms. **** stating that she was having issues with returning the
  document. On the same day, GLS replied to her email stating that we would not be able to process her extension at
  this time due to the original agreement having expired. She was also advised that she would need to contact GLS
  and request a new extension request form.
  
  On August 22, 2023, Ms. **** contacted GLS stating that she was able to get the signed extension agreement faxed
  to us. On this call, she was advised that the form had already expired. However, as a courtesy, GLS processed the
  extension, and her July 2023 invoice was deferred.
  
  We have reviewed her concerns and determined that GLS did not reject her fax attempts to submit the extension
  agreement, as stated in her BBB inquiry, nor is there any record of fax system issues between the dates of August 2
  – 22, 2023.
  
  Additionally, regarding her concerns with the condition of the vehicle, we encourage her to contact the Dealer as
  she purchased a vehicle warranty product which may assist her with the repairs she needs.
  
  As of today, the account is past due for her August 2023 invoice in the amount of $628.39, we encourage her to
  complete a payment at her earliest convenience. Please note, if Ms. **** is still interested in a due date change for
  her payment due date, she may contact the GLS Escalations Team for further assistance. Additionally, the Escalations
  Team has attempted to contact her regarding her concerns. The Escalations Team can be reached directly at **** ********.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  

• Initial Complaint

  08/22/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  MY CAR WAS REPO'D IN JAN OF 2020 AND IT WAS RETRIEVED IN FEB OF 2020 BUT THEY NEVER DID THE TITLE FLIP TO PUT THE CAR BACK IN MY NAME. I HAVE NOT BEEN ABLE TO RENEW MY TAGS BECAUSE THE CAR IS NOT REGISTERED TO ME AND HASN'T BEEN FOR THE LAST 3 YEARS. MY APT COMPLEX HAS TOWED THE CAR TWICE BECAUSE OF THIS ISSUE AND I AM NOW HAVING TO PAY FOR PARKING BECAUSE I CANNOT PROVIDE REGISTRATION IN MY NAME. I HAVE DONE EVERYTHING THAT I HAVE BEEN ASKED TO DO TO RESOLVE THIS ISSUE AND I AM CONSISTENTLY GETTING THE RUN AROUND. AT THIS POINT I DON'TKNOW WHAT ELSE TO DO. I HAVE BEEN PAYING A CAR NOTE FOR A CAR THAT I CAN DO NOTHING WITH BECAUSE IT ISN'T REGISTERED TO ME YET, I HAVE TO PAY ALL THE FEES THAT COME WITH NOT BEING ABLE TO GET THE PROPER PAPERWORK. I DON'T KNOW IF IT'S POSSIBLE TO BE REIMBURSED FOR AT LEAST SOME OF THE CAR NOTE THAT I'VE HAD TO PAY OVER THE LAST THREE YEARS BUT I'D AT LEAST LIKE TO GET MY TOW FEES AND PARKING FEES REIMBURSED BECAUSE THIS IS NOT A COST THAT I SHOULD BE LEFT WITH. I'VE CALLED, I'VE SENT E-MAILS TO GLS AND AGAIN, I'M LOST AT WHAT TO DO NEXT. PLEASE HELP ME!! I WILL PROVIDE PROOF OF FEES IF NEEDED FOR THE TOW AND PARKING.

  Customer response

  09/08/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  This response is inaccurate, no one tried to contact me until a year later because that’s the complaint I made when I was reached and I wasn’t notified that everything didn’t go through until I spoke with the MVA and was told that there was an issue and had to call them back. Apparently the team I was working with no longer worked there and never finalized the paperwork therefore, I had to start over. I don’t appreciate the lack of communication and sense of urgency that’s taking place here. The nonchalant tones that I’m getting from those that I’m speaking to and yet, I’m getting pressed out for my payments as if this isn’t equally important. 
  Regards,
  
  ******* ******

  

  Business response

  09/18/2023

  Please see attached.

  Customer response

  10/02/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  

  I have been as professional and as polite as I know how to and in return I’m getting the exact opposite. The amount of stress that this UNRESOLVED issue has caused me is inconducive to my health as I am an individual battling with lupus whose recent flare ups have been caused by STRESS. This car is my ONLY means of transportation, I was JUST pulled over for the FIRST time ever and it was not the best experience considering it wasn’t for something that I just go fix on my own. I was hit with $300+ in tickets and nobody cares about the issues I’m having with this company. Obviously they don’t either!! The mere fact that it has been THREE years and there’s still NO type of consistency with even trying to keep me updated tells me that they don’t care. I’ve called, I’ve been left on hold, I’ve been transferred to multiple who CAN’T help me, not to mention Chris from the reinstatement department hasn’t answered or returned my calls in weeks so, I ask, what would you believe in this situation?! Telling myself NOT to stress is easier said than done because the LAST thing I need is to end up in the hospital because my next flare up is one that I can’t manage on my own. I’m quite sure they’ll say “oh she’s behind in her payments” and I’m not denying that because at any moment I CHOOSE to be make my payments current the fact will still remain that I CANNOT DO ANYTHING WITH THIS CAR BECAUSE IT IS NOT REGISTERED TO ME. It doesn’t matter what I do if there’s still NOTHING I can do. I’m taking more risks in this situation on a daily. I’m risking my credit, I’m risking getting pulled over and most importantly my health is at risk. At what point does an olive branch even be offered to me for my pain and suffering in this ordeal?! But I keep getting offered to “voluntarily surrender” the car that I’ve fought so hard to keep. It’s ridiculous!! 
  But they are definitely consistent when it comes to calling about these missed payments. I get called at least 6 times a day EVERY DAY AND they leave messages; if only they were that consistent in reinstating this title we wouldn’t even be having this problem. 
  I AM TIRED!!!!
  Regards,
  
  ******* ******

  

  Business response

  10/12/2023

  September 7, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ******* ******
  Account No.: xxxxxx****
  BBB No.: ********
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Ms. ****** filed with the Better Business Bureau (“BBB”) dated August 22,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  On April 12, 2019, Ms. ****** entered into a Retail Installment Sales Contract (“Contract”) for the purchase of a
  2018 Mazda 3 from ******** Hyundai Mazda. GLS was assigned the Contract. Per the Contract, payments of
  $404.98 are due to GLS on the 26th of each month.
  
  On January 30, 2020, GLS repossessed the vehicle due to default in payments. Her name was removed as registered
  owner from the title in preparation for sale. On March 2, 2020, Ms. ****** paid to reinstate, and GLS released the
  vehicle to her.
  
  Between March 3, 2020, and April 8, 2021, GLS attempted to contact her on multiple occasions to assist her with the
  process of placing her name back on the title but was unable to reach her.
  
  Between April 8, 2021 – October 2021, our records indicate that she spoke to GLS on multiple occasions regarding
  the documents that GLS needed from her in order to assist with the title and communicate with the ******** Motor
  Vehicle Administration (“MD MVA”) on her behalf.
  
  On January 18, 2022, GLS received the required document from her. GLS submitted the request for the title update
  to MD MVA but did not hear back from them.
  
  On March 20, 2023, GLS was made aware that she was unable to register her vehicle. Our records indicate that GLS
  provided additional documents to provide the MD MVA to assist her with the title.
  
  On July 27, 2023, she advised GLS that the MD MVA advised that additional documentation was required. Our
  records indicate that this was the first time GLS was made aware that additional documentation was required,
  outside of what was already provided. On the same day, GLS began working on the request.
  
  On August 18, 2023, GLS submitted the required documents to the MD MVA. We understand this process can take
  several weeks. Please note, GLS will reach out to her if the MD MVA has any additional requests, and we will request
  updates from the MD MVA as to the status of the title. We hope to assist her in resolving this matter soon.
  
  GLS sincerely appreciates her feedback. If she has any questions, we can be reached at 866-********.
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  

  

  Business response

  10/12/2023

  September 18, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ******* ******
  Account No.: xxxxxx****
  BBB No.: ********
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Ms. ****** filed with the Better Business Bureau (“BBB”) dated September
  8, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing her additional issues to our attention.
  
  We have reviewed her additional concerns and confirmed that the timeline in our previous response is accurate per
  GLS’s records. We acknowledge a delay in following up regarding the title with the ******** Vehicle Administration
  (“MD MVA”) between February 2022 – March 2023. We sincerely apologize for the lack of follow-up and have
  ensured that this matter is addressed by GLS management.
  
  On August 18, 2023, GLS submitted the required documents to the MD MVA, which we understand should update
  the title. We will continue to follow up on the process to ensure that this is completed.
  
  Additionally, she referenced in her prior BBB inquiry that she has paid fees related to parking and impound(s) as the
  vehicle was not registered in her name.
  
  We encourage her to provide confirmation related to those fees, which should include an invoice and receipts
  proving her payment. The invoice should clearly indicate the date the fee was assessed and confirm the reason for
  the fee. She can email this information to *************************.com so that we can further review her request
  for reimbursement.
  
  GLS sincerely appreciates her feedback. If she has any questions, we can be reached at 866-********.
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/22/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On January 19th, 2021, I was illegally sold a CTS 2012 Cadillac, by a **** ******** Dealership. in which as a result to such illegal sale i was finance by and through Global Lending Service for the sale of such car. Such sale is not binding when the Authorized Dealership representative failed to sign the Vehicle Purchase Agreement in order to make the contract binding. Vehicle Service Agreement reads in relevant part: This contract is s not binding until Authorized Dealership representative signs. See attached is Vehicle Purchase Agreement. Pg's 1 of 1. Since bringing it to the attention of Global Lending Services on 07/28/2023 that there is no binding contract without this document being signed first by the authorized dealership representative. I'm being compelled to pay on a loan that has technically not been secured in order to subject me to making a monthly payment on such car. As well as, Global Lending Services is under false pretense that the retail installment contract is binding without the Vehicle Purchase Agreement not being first signed by the Authorized Dealership Representative to make contract for the sale and purchase of car final. Such actions is a concerted act to prevent me from having access to the car in which is being financed through Global Lending Services for the CTS 2012 Cadillac and are refunded for the money in which I've been paying on this car from inception of being under the impression that the vehicle purchase agreement is binding for the purchase and sale of the CTS Cadillac.

  Customer response

  09/04/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  I am rejecting this response from Global Lending Services because first the date in question that "GLS" alleges that the sale transpired on is January 19th, 2021, and not January 1st, 2021 as displayed in the letter submitted by Global Lending Services response. Secondly, there can never be a valid Vehicle Purchase Agreement when I have the original in which was not signed by the Authorized Dealership Representative in order to make contract binding. Therefore, without a valid binding contract "Vehicle Purchase Agreement" the sale and purchase of the 2012 CTS Cadillac in which I have been compelled to pay on for a monthly basis is not binding. Therefore,  in order for me to go into contract with Global Lending Services there most first be a valid Vehicle Purchase Agreement signed by the Authorized Dealership before being the car is sold in order for me to procure a loan from Global Lending services for the purposes of purchasing the 2012 CTS Cadillac and having the car Finance through Global Lending Service for the purpose of sale of the car.

  So **** ********, "Dealership" tried to procure a loan between me and Global Lending services without first making sure that the Vehicle Purchase Agreement is binding before contacting Global Lending Services and committing fraud by leading Global Lending Services under false pretense of believing  that the sale of the 2012 Cadillac  is binding in order to take part in a loan until the Vehicle Purchase Agreement is signed by the Authorized Dealership Representative.

  Therefore, Global Lending Services is causing me a great deal of anxiety, emotion distress, and physical discomfort by  having to pay on a car that has yet to be technically sold to me in order to have me make monthly payments on a loan from Global Lending Services without first making sure that the vehicle purchase Agreement is binding.

  Thus, I should be entitled to have every red cent in which i've paid to global Lending Services since january 21st, 2021 for this car reimbursed to me considering that the sale and purchase of the car is not binding due to the fact that the Vehicle Purchase Agreement has yet to be signed by the Dealership Authorized Representative.
  
  ***** ********

  Customer response

  09/12/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  

  Global Lending Services is refusing to acknowledge that on January 19th, 2021, there was never a binding purchase or sale of the 2012 CTS Cadillac without the Vehicle Purchase Agreement being signed by the Authorized Dealership Representative to make the contract binding. This would in fact be the first step needed in order for me to enter into agreement to obtain a Loan from Global Lending Services  for the purpose of the sale and purchasing of the Car to have it financed by GLS.

       This vital step in the proceeding can't be skip by **** ******** Dealership, and even though it has been skip,  Global Lending is under False Pretense that the Retail Installment Agreement is invalid without acknowledging that the Sale and the purchase of car is yet to be binding without first having the Vehicle Purchase Agreement signed by the Authorized Dealership Representative to make sale and purchase binding. "Read the Vehicle Purchase Agreement."

          Not once has Global Lending Services made mention that after reading and reviewing the Vehicle Purchase Agreement that they read and see or recognize the flaw in the Vehicle Purchase Agreement and can see why the contract is not binding and therefore no other contract that arises from  out of this alleged transaction is also not binding. However, Global Lending Services keep making reference to the Installment Retail Agreement and this contract is not the base of my complaint for review. The Vehicle Purchase Agreement is the issue that I'm trying to bring to light to this agency.

            So Global Lending can see that hey without this contract "Vehicle Purchase Agreement" not being signed by the Authorized Dealership representative it is impossible for Global Lending Services to enter into a contract with me in order to compel me to pay on a loan on a monthly basis for a car that has technically yet to be sold to me in order to procure the loan or to have the car finance by them. Such actions entails misrepresentation of facts, Fraud, Misappropriation use of Funds, Dereliction of Duty and Failure to exercise due diligence when saling a consumer a car under false pretense.

            Therefore, the resolution i seek in this matter is suitable and within means to have Global Lending Services contact **** ******** and return the car back to the dealership after  informing the dealership that as a result to them failing to have the Authorized Dealership Representative sign the Vehicle Purchase Agreement, the sale and purchase of the 2012 CTS Cadillac is not final "binding. Therefore, it is impossible for Global Lending Services to enter into a contract for a loan with me  and have me as a consumer charge  on the monthly basis for such car when the first step of this proceeding has been skipped. Therefore, I should be entitled to have all the money in which I've paid to Global Lending Service from the inception of this alleged sale of this  car refunded back to me without unnecessary delay. For it is intentional, emotional distress and physical discomfort considering that the sale and purchase of the car is not binding. 

   

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

  Customer response

  09/15/2023

  In reference to your most recent responce. i filed a complaint with the Ohio Attorney general office Case#******* and such complaint has been assigned wit a "*******************.gov"> at the Ohio Attorney General Office on September 7th, 2023. In which the Attorney general has not responded to that complaint yet since it was just filed. So i doubt if Global Lending has submitted any documentation on that complaint considering that there is no indication on record file that insinuate that they responded to the complaint.

           However, the issue at hands that has yet to be addressed is since the inception of me filing the complaint with "BBB" Global  Lending Services has not once responded and confronted the issue brought up in the complaint. Which is the Vehicle Purchase Agreement is not binding since the Authorized Dealership Representative did not sign the Vehicle purchase Agreement which would allow me the consumer to enter into a retail contract with Global Lending Services through **** ******** in order to solidify the purchase and  the sale of the 2012 CTS Cadillac. Which has yet to occur do to the underlining fact.

            Global Lending Service is trying to impede the process in this complaint by not addressing the issue at hand which is the vehicle purchase Agreement is not binding. Therefore, there can be no retail Agreement if the initial step has been skipped in order there to be contract between me and Global Lending Services.

  So no the Ohio Attorney Office has made no remark on this issue and therefore Global Lending the process of this complaint by suggesting that they have addressed the underlying issue.

  Customer response

  09/27/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 

  Global Lending Services response does not equate for adequate response to the complaint filed which is based on the fact that the Vehicle Purchase  Agreement isn't binding consider that it wasn't signed by the Authorized Dealership Representative for the purpose of the purchase and  or sale of the 2012 CTS Cadillac. This contract alone is the initial contract which is what is necessary to be signed by the Authorized Dealership Representative in order for me the consumer to be able to enter into a Contract "Retail Sales Agreement" with Global Lending Services for the purpose of having the car financed through a Loan process to buy the Car.

  Therefore, for Global Lending services failing to address the issue in the complaint and are acknowledge that they have a legal representative available to review this Vehicle purchase Agreement to confirm the validity of my complaint before responding would entail negligence, Dereliction of Duty, Failure to Disclose, Theft by Deception, Misappropriation use of Funds and Fraud. As well as, is using  a tool to oppress and hinder me from actually being sold a car. But however, am  being compelled to pay for a car on a monthly basis for  a car that has yet to be technically sold to me considering that the Vehicle Purchase Agreement wasn't signed by the Authorized Dealership in order to be binding and if it was signed by the Authorized Dealership Representative it would then and only then  allow for me to enter into a Retail Purchase Agreement with Global Lending Service for the purpose of a a Loan to buy the CTS Cadillac.

         Therefore, the only recourse in this situation is for Global Lending Services to contact **** ******** and inform them that they are returning the CTS 2012 Cadillac to the Dealership considering that the Vehicle Purchase Agreement wasn't signed by the Authorized Dealership Representative in order for me to enter into a contract with Global Lending Services for the purpose of a Loan on this Car. Therefore, Global Lending Services should take the liberty to refund me with all of the money in which I've paid on this car since the inception of being lead to believe that the Vehicle Purchase Agreement is binding when it hasn't  been signed by the Authorized Dealership Representative  in order to secure a Loan From Global Lending Services. Therefore, I shouldn't be compelled to Pay on an Item in which technically hasn't been sold to me and have submitted a justified reason for this complaint when Global Lending Services hasn't addressed the issue of the vehicle Purchase Agreement not being binding.
  
  Regards,
  
  ***** ********

  

  Business response

  10/04/2023

  September 1, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ***** ********
  Account No.: xxxxxx****
  BBB No.: ********
  
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated August 13,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On January 1, 2021, Mr. ******** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2012 Cadillac CTS from **** ******** Chevrolet (“Dealer”). GLS was assigned
  the Contract. Per the Contract, payments of $415.54 were due to GLS on the 6th of each month. Our records indicate
  that he received a copy of this Contract on the date of purchase.
  
  Upon receipt of this BBB inquiry, GLS reached out to the Dealer for a signed copy of the Buyer’s Order. Per Mr.
  ********’s inquiry, the copy he has in his possession is missing a signature. Please note, the Dealer advised that they
  have previously forwarded the signed Buyers Order to the Attorney General some time ago in response to this
  concern but provided a copy of the Buyer’s Order with the signatures.
  
  On July 27, 2023, GLS repossessed the vehicle due to nonpayment.
  
  The Contract is valid. GLS is unable to remove the account from his credit report because GLS is required to report
  accurately under the FCRA.
  
  As of today, the vehicle is pending sale. When the vehicle sells, the proceeds will be applied to Mr. ********’s balance,
  and in the event the vehicle sale does not cover the remaining balance, he will be responsible for the deficiency as
  applicable. GLS will notify him of the sale and of any remaining balance that may be owed, as applicable.
  
  We consider this matter closed.
  
  We appreciate his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

  

  Business response

  10/04/2023

  September 12, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ***** ********
  Account No.: xxxxxx****
  BBB No.: ********
  
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated September
  5, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his additional issue to our attention.
  
  We appreciate his business. On January 20, 2021, Mr. ******** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2012 Cadillac CTS from **** ******** Chevrolet (“Dealer”). GLS was assigned
  the Contract. We apologize for the typographical error in our prior response regarding the purchase date.
  
  The Contract is valid. As stated previously, our review found GLS has records of all signed paperwork related to his
  purchase. GLS is unable to remove the account from his credit report because GLS is required to report accurately
  under the FCRA. We consider this matter closed.
  
  On July 27, 2023, GLS repossessed the vehicle due to nonpayment. GLS will sell the vehicle at auction if he does not
  pay what he owes prior to September 19, 2023. If he has questions as to how much he owes, he can call the
  reinstatements team at 877-********.
  
  We appreciate his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  
  Enclosures: Retail Installment Sales Contract

  

  Business response

  10/04/2023

  September 25, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  Re: ***** ********
  Account No.: xxxxxx****
  BBB No.: ********
  
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated September
  15, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his additional issue to our attention.
  
  We appreciate his business. On January 20, 2021, Mr. ******** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2012 Cadillac CTS from **** ******** Chevrolet (“Dealer”). GLS was assigned
  the Contract. We apologize for the typographical error in our prior response regarding the purchase date.
  
  The Contract is valid. As stated previously, our review found GLS has records of all signed paperwork related to his
  purchase, including the Buyer’s Order. GLS is unable to remove the account from his credit report because GLS is
  required to report accurately under the FCRA. We consider this matter closed.
  
  On July 27, 2023, GLS repossessed the vehicle due to nonpayment. GLS will sell the vehicle at auction if he does not
  pay what he owes prior to September 19, 2023. If he has questions as to how much he owes, he can call the
  reinstatements team at 877-********.
  
  
  
  We appreciate his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  
  Enclosures: Retail Installment Sales Contract

• Initial Complaint

  08/21/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My vehicle was repossessed June 2022, however, I paid in full and was able to get car back first week of July 2022. I have paid my car note on time and in fact early every month since then. This issue is I never knew my vehicle became unregistered, as I found out due to GLS sending me in email in January 2023 requesting I fill out Power of Attorney forms to have the title to my car reinstated. I was never contacted prior to January regarding this matter as I thought all was well with my car. Long story short, it is now August 18, 2023, 44 emails later, three temporary tags, being pulled over by police to having to go to court for the temp tag issue between myself and GLS requesting for an update, my car is still not registered. DMV has tried to help, however GLS says they follow their own protocol to issue title. I have done everything possible, submitted everything they have requested and still NOTHING. I have exhausted funds, time and energy into having this situation rectified and I’m still told, we are working on trying to get this matter taking care of. I pay my car note on time every month to still be unregulated and my car not properly tagged.

  

  Business response

  09/07/2023

  August 28, 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 August 18,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On December 1, 2018, Ms. ******* entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2013 **** ******** from ****** ***** ****** ***. GLS was assigned the Contract.
  Per the Contract, payments of $559.42 are due to GLS on the 31st of each month.
  
  We have reviewed her concerns and determined that GLS worked diligently with the Delaware Department of Motor
  Vehicles (“DE DMV”) to add her name back to the title, after repossession. GLS also timely communicated with Ms.
  ******* regarding the necessary requirements. Our research found that the DE DMV experienced severe processing
  delays, which primarily contributed to the delay. The DE DMV also required additional paperwork, outside of the
  usual requests, which also contributed to further processing delays. Please note, GLS does not require additional
  paperwork outside of the applicable state DMV requirements for title work and maintains communication with the
  state DMV as to paperwork and information needed to timely resolve issues.
  
  On June 6, 2022, GLS repossessed the vehicle due to default in payments for the November 2021 – February 2022
  invoices.
  
  On July 1, 2022, Ms. ******* paid to reinstate the account and the vehicle was released to her.
  
  Between July 15, 2022, and January 18, 2023, GLS maintained continuous contact with the DE DMV in order to
  reinstate Mr. and Ms. ********* names on the title. Our records show that GLS regularly requested updates from
  the DE DMV but was informed of a delay.
  
  On January 18, 2023, the DE DMV informed us that a Power of Attorney ("POA") was required for GLS to act on
  behalf of the customer and complete the title transfer. This was the first time GLS was made aware of the need for
  a POA.
  
  Between January 23 and February 1, 2023, GLS attempted to contact Ms. ******* regarding the POA, but was unable
  to reach her.
  
  On February 20, 2023, GLS received the POA form, and the information was submitted to the DE DMV.
  
  On April 13, 2023, the DE DMV advised GLS that a POA was also needed for the co-borrower, Mr. *******.
  
  On May 21, 2023, GLS received the POA from the co-borrower and the information was timely submitted to the DE
  DMV.
  
  Between June 19 and July 14, 2023, GLS requested updates from the DE DMV on multiple occasions and was
  
  informed that the requests were being processed, although there was a current backlog and a delay in processing.
  
  On July 19, 2023, GLS received the title with Ms. *******’s name listed on the title.
  
  On August 17, 2023, the title transfer process was finalized, and both borrowers are now listed on the title.
  
  
  We are sorry to hear, per the BBB inquiry, that she received tickets and other legal action related to this matter.
  While our review found that GLS was not at fault related to the delay, should she wish for further review, she can
  provide evidence of the tickets she paid, and any court-related document issuing judgement, related to the delay in
  registration by sending this via email to ***************************** .
  
  Please note, the GLS Escalations Team has attempted to contact Ms. ******* regarding her concerns. If she has any
  additional questions, or to provide tickets and/or receipts of what she paid related to the authorities related to this
  matter, she may contact the Escalations Team directly at ************.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  

*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. ↩