Complaints

• Initial Complaint

  08/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Account Number: ****** I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS! Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

  

  Business response

  09/07/2023

  August 25, 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 August 15, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On June 30, 2018, Mr. ******** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2018 ****** ****** **** ************ ****** ******. GLS was assigned the
  Contract. Per the Contract, payments of $381.08 were due to GLS on the 14th of each month.
  
  Our review determined that the Contract is valid. He is responsible for the remaining balance owed on the account.
  
  On January 20, 2021, Mr. *** advised GLS that the vehicle had been involved in an accident, and his insurance
  company, *****, would contact GLS. This is the last communication GLS had with Mr. ***, despite efforts.
  
  On March 25, 2021, GLS received a payment in the amount of $10,762.00 from *****. This did not satisfy the
  remaining balance owed.
  
  On March 26, 2021, GLS sent Mr. *** an email advising that there was a remaining balance after the insurance
  payout.
  
  On March 30, 2021, GLS charged the account off due to non-payment.
  
  Based on the request in Mr. ***’s inquiry, GLS has coded his account so that he will receive no further calls from us.
  Please note that this designation may result in him not receiving important account-related information. If Mr. ***
  would like to have this designation removed, he can contact us at ************
  
  Our review determined that GLS is reporting accurate information to the credit bureaus related to his account, and
  will not request an update as requested.
  
  As of today, his deficiency balance is $4,141.07. 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 G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Global Lending Services LLC , I do not have a contract with Global Lending Services LLC. They did not provide me with the original contract as I requested.

  

  Business response

  09/07/2023

  August 24, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy Rigdon
  
  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 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 2019 ****** ****** **** ****** of Alhambra. GLS was assigned the Contract. Per
  the Contract, payments of $418.75 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.
  
  Our review determined the Contract is valid.
  
  On March 30, 2022, GLS repossessed the vehicle due to non-payment. The account was past due for the December
  2021 invoice, and the January – March 2022 invoices.
  
  On May 17, 2022, GLS sold the vehicle at auction and applied the proceeds to his 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.
  
  As of today, his deficiency balance is $10,364.08. 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 G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I reviewed my consumer reports from ********, *******, and ********** and noticed that my Global Lending Services account (Account No: *********) has 30 day late payment history being reported for June 2022, July 2022, August 2022, September 2022, December 2022, and April 2023. There is no payment history being reported for March 2022 and October 2022 to *******. I am requesting that the Payment History for the months listed above be UPDATED and reporting to ********, *******, and ********** as Paid As Agreed and for the Account Status to be UPDATED and reported as PAID AS AGREED, NEVER LATE (PAANL) As you may know, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, was enacted on March 27, 2020 to provide financial relief and protections for consumers during these unforeseen times. The FCRA was also amended due to the CARES Act to cease the reporting of adverse consumer information by data furnishers, such as Global Lending Services, to credit reporting agencies under 15 U.S.C. 1681§-2(a)(1)(F) during the covered period. The covered period started on January 20, 2020, and is in effect until 120 days after the ending of the declaration of the national emergency concerning the novel coronavirus disease (COVID–19) outbreak by the President on March 13, 2020 under the National Emergencies Act (50 U.S.C. 1601 et seq.), which terminated on May 11, 2023. All of the adverse/missing payments fall within this covered period. Given these circumstances, I am requesting an adjustment to the payment history being reported by Global Lending Services to ********, *******, and ********** to as such: UPDATE the payment history for March 2022, June 2022, July 2022, August 2022, September 2022, October 2022, December 2022, and April 2023 to PAID AS AGREED across ********, *******, and ********** and UPDATE the Account Status to PAID AS AGREED, NEVER LATE (PAANL)

  

  Business response

  08/28/2023

  August 21, 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 10,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On March 7, 2020, Ms. ***** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2018 ****** ***** ***** from ***** ******* ******. Per the Contract, payments
  of $465.93 were due to GLS on the 21st of each month.
  
  We determined that GLS is compliant with all applicable federal and state laws, including the CARES Act. Our review
  also determined that GLS is reporting her account accurately to the credit bureaus.
  
  Ms. ***** has received one accommodation in the form of an extension on the account. On October 28, 2022, per
  her request, GLS processed monthly extensions for her September 2022 and October 2022 invoices. On the date of
  this extension processing, the account was over 30 days past due. We have confirmed that GLS reported accurately
  to the bureaus, in compliance with the CARES Act.
  
  Further, we have reviewed the tradelines with each of the credit bureaus. Experian is not reporting the account. We
  confirmed that both ********** and ******* reflect accurate information.
  
  GLS is required to report accurate information to the bureaus, and any late marks that are reported to the credit
  bureaus due to late payments received per the Contract are valid. We have enclosed her Payment History with this
  response which reflects when payments were completed on the account.
  
  As of today, her invoice for August 2023 is due, and her account is past due for the July 2023 invoice. If she has any
  additional questions, she may contact the Escalations Team directly at ************.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Global lensing. I do not have a contract with Global lending they did not l provide me with the original contract as I requested

  

  Business response

  08/28/2023

  August 21, 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 August 9, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On April 4, 2019, Mr. **** entered into a Retail Installment Sales Contract (“Contract”)
  for the purchase of a 2017 ***** ***** ******* from ********* ****** ***********. Per the Contract, payments of
  $521.94 were due to GLS on the 4th of each month.
  
  Our review determined that the Contract was provided to him at purchase. Further, we have included a copy of the
  Contract with this response.
  
  On March 16, 2023, GLS was advised that Mr. **** was involved in a collision, and that his insurance company would
  likely deem the unit a total loss. At this time, the account was past due for the February and March 2023 invoices.
  
  On March 29, 2023, GLS received a check in the amount of $8,878.47 from **** *********. This check did not satisfy
  the balance on Mr. ****** account. Additionally, at the time of the contract signing, Mr. **** purchased an extended
  warranty. However, the coverage was for up to 3 years, or 36,000 miles, whichever came first. The warranty
  protections expired on April 4, 2022, so GLS is unable to cancel the product for any refund amount to be applied to
  Mr. ****** account.
  
  On April 28, 2023, GLS charged the account off due to non-payment.
  
  As of today, his deficiency balance is $11,535.81. Please note, the GLS Escalations Team has been attempting to
  contact him regarding this balance. If he has any additional questions, he may contact the Escalations Team directly
  at ************.
  
  GLS sincerely appreciates his feedback. If he has any questions, we can be reached at ************.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  

• Initial Complaint

  08/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company has pulled my report multiple times without my knowledge. I did not inquire or seek any assistance from them. Thus, the inquiry should be remove immediately in accordance to the FCRA Credit Repair Law.

  

  Business response

  08/29/2023

  August 15, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: **** ******* ****** *******
  BBB No.: ********
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Mr. ******* filed with the Better Business Bureau (“BBB”) dated
  August 9, 2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We have searched our records using all available identifying information provided within his inquiry and
  we were unable to locate a credit application(s) that would have resulted in a credit inquiry on his
  consumer credit report. If Mr. ******* has any additional information he would like to provide, i.e., the
  date of the credit inquiry, he may contact us at *************
  
  
  Thank you,
  
  
  
  Chelsea P*****
  
  Senior Consumer Complaints Coordinator

• Initial Complaint

  08/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Filing a complaint against Global Lending Services PO BOX **** ********** and PO Box ***** ********** SC 29603. This company denied my application at one location but approved me at another location. Apparently wasn't informed of why or how I was approved for one dealership but not the other. Then after reading my letter it appears there's a lot of hidden fees and a downpayment or extra money that I wasn't aware of and that the dealership apparently kept. They increase my interest rate and not returning my calls. I want to have the monthly payment changed to $350 or legal actions will be sought. As well as copies of documents sent to dealership.

  Customer response

  08/10/2023

  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. 

  provide counter offer and how long does dealership have to accept counteroff?

  Between June 27th to June 30th 2023, Mr. ******** applied for financing for the purchase of a vehicle at three 
  different auto dealerships. GLS received the first two credit applications, which were conditionally approved and 
  sent counteroffer(s) to the Dealer(s). GLS did not deny the application(s). The reason the application(s) were not 
  finalized is because GLS never heard back from the dealerships in response to the counteroffers. 
  
  Regards,
  
  ******* ********

  Customer response

  08/23/2023

  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. 
  
  Would like to get a payoff amout for $25,500.
  
  Regards,
  
  ******* ********

  Customer response

  09/01/2023

  I'm requesting a payoff of less the amount so I don't  have to report them to fraud and other agencies.  It seems this company doesn't want me to pay extra to pay off loan quicker.  I'm requesting of a lesser amount for payoff which other companies have done but I can't get this to do that. I want this company to start stopping me from trying to pay extra and to provide a lesser payoff amount.  Also, they stated that there was a downpayment but I've looked at the contract as well as a lawyer and the dealership said there's not a downpayment.  The reviews on this company is ridiculous. 

  Customer response

  09/11/2023

  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 company is asking more than what the loan was approved for regardless of the per diem. Also the fact that with paying extra the payoff just last week was less than this amount.  The company is scamming owners and does not care. If they want the vehicle back they can have it because I'm not going to paying for something that is worth less the amount and is already having issues with vehicle.  Lastly,  the company had no right to offer a higher payoff than what the loan was approved for and the fact this company unlike other companies doesn't take less for payoff.  I will seek legal counsel to make sure that this company is looked into. I'm not spending hard working money trying to payoff loan quicker if the payoff amount constantly increases.  
  Regards,
  
  ******* ********

  

  Business response

  09/11/2023

  On June 30, 2023, you purchased a vehicle from ***** Nissan ("Dealer"). Global Lending Services LLC ("GLS") financed the vehicle on your behalf. The Amount Financed, as listed on the Contract is $27,708.50. The Finance Charge, which is the dollar amount the credit cost you, is $16,825. The Total of Payments, which is the amount you will have paid after you have made all payments as scheduled, is $44,533.50.  The Total of Payments is the Amount Financed and the Finance Charge added together.  GLS uses standard simple interest method calculation on accounts. 

  We have confirmed that GLS is compliant related to your new purchase. GLS values their customers and encourages their customers to complete extra payments to lower the daily accrual of interest so that they can pay off the balance in advance of the scheduled term. 

  The reason the payoff may be higher today than the Amount Financed listed above is due to simple interest calculation.  In the previous response submitted, we provided a 10-day pay off quote, which included the daily interest accrual. 

  A simple interest loan accrues interest daily from the day the contract is signed, until the day it is paid off. The daily interest accrual is based on the remaining principal, interest rate and number of days in a year. As the principal is paid down, the daily interest decreases. Consistently making payments early can reduce the cost of the loan. However, frequent late payments may lead to a higher total cost of the loan.  

  We have included the Principal and Interest Statement with this response, which indicates how payments have been applied to the account since the purchase and includes the amount of interest that has accrued.

  We have also included the Amortization Schedule, which provides a schedule of amounts applied to interest and principal balance reduction for each payment received to date. For future payments listed, the schedule assumes all payments are completed as scheduled for the exact amount due. 

  As indicated within the Amortization Schedule, if you continue to complete payments on time, the balance will continue to decrease, and the daily interest rate accrued will decrease. If payments are not completed timely, the balance may increase due to simple interest calculation. 

  We consider this matter closed.

  If you have additional questions regarding the pay off, and simple interest calculation, we encourage him to reach out to the GLS Escalations Team to assist him by reaching 877-********.  

  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. 
  

  Payment late and always call in to make payments and extra payment to principal but will seek legal advice about the $16,000 and report this to other viewers. 

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

  

  Business response

  09/12/2023

  August 10, 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 July 31,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On June 30, 2023, Mr. ******** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2022 Nissan Versa from ***** Nissan (“Dealer”). Per the Contract, payments of
  $593.78 were due to GLS on the 14th of each month.
  
  Between June 27th to June 30th 2023, Mr. ******** applied for financing for the purchase of a vehicle at three
  different auto dealerships. GLS received the first two credit applications, which were conditionally approved and
  sent counteroffer(s) to the Dealer(s). GLS did not deny the application(s). The reason the application(s) were not
  finalized is because GLS never heard back from the dealerships in response to the counteroffers.
  
  On June 30, 2023, GLS received a third credit application from the Dealer. This application was finalized, and the
  financing was approved, after all stipulations were received. The signed Contract is enclosed which itemizes the
  terms of the purchase.
  
  GLS is in compliance with TILA. The terms, costs, and fees are clearly and prominently displayed on the contract that
  he signed.
  
  Our records indicate that he did not complete a cash down payment but traded in a vehicle with a remaining balance.
  The dealership paid off the creditor, Regional Acceptance, and the positive equity of $1,330.00 was factored into his
  Contract.
  
  He signed the Contract (attached), confirming that he read and agreed to the terms, including the monthly payment
  schedule of $593.78. GLS is unable to change the monthly payment, as GLS cannot change the terms of the Contract.
  GLS does not offer refinance products to their customers at this time.
  
  On August 4, 2023, he contacted GLS to request an extension, and requested a call back. Our review found that GLS
  agents timely called him back and advised that the account was ineligible for an extension at this time. We found no
  occasion when he did not receive a call back.
  
  The GLS Escalations team has attempted to contact him to address any other concerns he has with his account, and
  any questions outstanding. He can contact the Escalations department by calling 877-********.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

  

  Business response

  09/12/2023

  August 21, 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 10,
  2023. Global Lending Services (“GLS”) appreciates you bringing his additional issues to our attention.
  
  The credit applications that GLS received from the dealerships were not denied but were conditionally approved.
  Since GLS never heard back from the dealerships in those instances, the applications did not result in an offer of
  financing of a vehicle. GLS has no formal counteroffer to provide as he requested.
  
  The third credit application GLS received resulted in a purchase, as GLS received the required stipulations from the
  dealership and Mr. ******** to finance the purchase.
  
  If he has any questions as it relates to his customer service experience with the dealership(s), and to the
  communication related to the previous credit applications, we encourage him to contact them directly. Our review
  determined GLS followed correct procedure.
  
  Further, our review determined his Contract is valid.
  
  If he has any questions regarding his account with GLS, he can contact the Escalations Team directly at 877-****
  ****.
  
  GLS sincerely appreciates his feedback.
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  07/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had a number of mechanical problems with my 2016 Hyundai Genesis sedan since financing it thru GLS in June of 2022. I contacted GLS 'Customer Care' months ago about the issues and was told to find another vehicle and apply for financing again using my currently being financed vehicle as a trade.....I did so and was 'denied' and have taken another hit on my credit file. I submitted an 'Official' complaint about '****** Toyota of ******, Ohio' where I purchased the vehicle with the 'Better Business Bureau on 13 July 2023 and purposely didn't make my latest payment (Only missed payment) due to this headache of a car and am seriously considering not making the next payment which is due in a short time. I've had ownership of this vehicle since February of 2022 and due to a number of 'Dealership processing problems', I was finally and 'officially' the new owner. It took until June for this purchase to be completed. I've had to call 'Roadside Services' over 15 times since I had this vehicle and feel as if I was mislead in it's road-worthiness but I shouldn't have to feel as if I'm 'Gambling' on the 'day-to-day' functioning of this car. I'm a Disabled veteran rated at 100% and can't work and am tired of getting stalls when I go out...especially when I have my grandchildren with me. Feel free to contact me via email to discuss this matter so that I can submit proof of roadside service calls, *** Warranty 'honored/repeated' service calls.....(problems still not fixed) and proof of my honoring my end of the contract by prompt payments and dealer maintenance services (out of pocket). Feel free to take the vehicle because at this point I have no confidence in GLS and will leave it to the BBB to help resolve. Thank you for your attention to this matter and have a good day! *** ****** **** ** ****** U.S. Army Disabled Retiree 13 Providence Drive Unit *** *********, Ohio 45014 ************ *****************

  Customer response

  08/03/2023

  I contacted the dealer and was instructed to notify my extended service warranty company and have the vehicle inspected/repaired. I was also told that since the purchase was made over a year ago, that all they can do is appraise the vehicle in it's current condition and with the negative equity only be able to have me come back to the dealership and go thru a new purchasing/trade experience and I am not interested in that at all. I only want the vehicle fixed 'Properly.' 

  Customer response

  08/03/2023

  I contacted the dealer and was instructed to notify my extended service warranty company and have the vehicle inspected/repaired. I was also told that since the purchase was made over a year ago, that all they can do is appraise the vehicle in it's current condition and with the negative equity only be able to have me come back to the dealership and go thru a new purchasing/trade experience and I am not interested in that at all. I only want the vehicle fixed 'Properly.' 

  Customer response

  08/03/2023

  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 contacted the dealer and was instructed to notify my extended service warranty company and have the vehicle inspected/repaired. I was also told that since the purchase was made over a year ago, that all they can do is appraise the vehicle in it's current condition and with the negative equity only be able to have me come back to the dealership and go thru a new purchasing/trade experience and I am not interested in that at all. I only want the vehicle fixed 'Properly.' What 'offer' was provided by GLS and/or resolution decision has been made? A third and final 'Extended Service Warranty's appointment has been scheduled by myself for Aug 18. A loaner car isn't guaranteed so I will be inconvenienced during this 3rd warranty service for continued electrical problems. I had to call for roadside assistance yet again for what has to be the 18th time since having this vehicle.....I've had enough.
  
  Regards,
  
  **** ******

  Customer response

  08/03/2023

  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 contacted the dealer and was instructed to notify my extended service warranty company and have the vehicle inspected/repaired. I was also told that since the purchase was made over a year ago, that all they can do is appraise the vehicle in it's current condition and with the negative equity only be able to have me come back to the dealership and go thru a new purchasing/trade experience and I am not interested in that at all. I only want the vehicle fixed 'Properly.' What 'offer' was provided by GLS and/or resolution decision has been made? A third and final 'Extended Service Warranty's appointment has been scheduled by myself for Aug 18. A loaner car isn't guaranteed so I will be inconvenienced during this 3rd warranty service for continued electrical problems. I had to call for roadside assistance yet again for what has to be the 18th time since having this vehicle.....I've had enough.
  
  Regards,
  
  **** ******

  Customer response

  08/15/2023

  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 not satisfied and wondering why GLS has mentioned an 'Open Service Campaign' for a system that isn't even amongst the problems that I've experienced with my 2016 Hyundai Genesis sedan 3.8L H TRAC. Once again, the vehicle has failed to start countless times which would require over 15 calls for roadside service for 'lockouts, battery jumps and of course the original problem(s) of the 'Audible Safety Alerts' for both the 'Drifting Lane changing' notification as well as the 'Blind Spot" audible alerts aren't functioning. The sound system still doesn't work after having been researched and once repaired by Hyundai of ***********, Ohio and only fixed the problem for a couple of weeks before a repeat of the sound system and audible alerts going out again. I have an upcoming appointment at another Hyundai/Genesis-specific dealership where I will be dropping the car off again utilizing the active '***' Extended Warranty with hopes of the problems being fixed. Now if they can take care of this GLS-mentioned 'Hyundai Open Service Campaign' recall item while its being serviced for the original ongoing problems, that's fine with me. This is my third Hyundai Genesis; I had a 2009 and a 2015 and never had any problems with those vehicles and that's the reason I got the 2016 which some would call 'brand loyalty'; but the fact of the matter is that the previous owner installed a lot of 'Aftermarket' products to the car and I firmly believe that those upgrades are the source of the electrical issues with this car. A 'Cold-Air Intake' with color-matching alternator and drive pulley, 'Viper' Remote Start device (non-functioning by the way) and unless the 'engine immobilizer' was a factory standard part, that was added as well before my purchase. I love the car and just want the problems to be identified, fixed per the extended warranty and returned to me so that I can have a 'reliable' vehicle especially with the seasonal change which is happening very soon. I'm not sure if the 'Ohio Lemon Law' is still in effect but am looking into its validity as well as this will have been the third time that these problems have been present. Feel free to contact me directly if necessary at the below listed  means and thank you for your attention to this matter.

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

  **********************

  Customer response

  08/15/2023

  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 not satisfied and wondering why GLS has mentioned an 'Open Service Campaign' for a system that isn't even amongst the problems that I've experienced with my 2016 Hyundai Genesis sedan 3.8L H TRAC. Once again, the vehicle has failed to start countless times which would require over 15 calls for roadside service for 'lockouts, battery jumps and of course the original problem(s) of the 'Audible Safety Alerts' for both the 'Drifting Lane changing' notification as well as the 'Blind Spot" audible alerts aren't functioning. The sound system still doesn't work after having been researched and once repaired by Hyundai of ***********, Ohio and only fixed the problem for a couple of weeks before a repeat of the sound system and audible alerts going out again. I have an upcoming appointment at another Hyundai/Genesis-specific dealership where I will be dropping the car off again utilizing the active '***' Extended Warranty with hopes of the problems being fixed. Now if they can take care of this GLS-mentioned 'Hyundai Open Service Campaign' recall item while its being serviced for the original ongoing problems, that's fine with me. This is my third Hyundai Genesis; I had a 2009 and a 2015 and never had any problems with those vehicles and that's the reason I got the 2016 which some would call 'brand loyalty'; but the fact of the matter is that the previous owner installed a lot of 'Aftermarket' products to the car and I firmly believe that those upgrades are the source of the electrical issues with this car. A 'Cold-Air Intake' with color-matching alternator and drive pulley, 'Viper' Remote Start device (non-functioning by the way) and unless the 'engine immobilizer' was a factory standard part, that was added as well before my purchase. I love the car and just want the problems to be identified, fixed per the extended warranty and returned to me so that I can have a 'reliable' vehicle especially with the seasonal change which is happening very soon. I'm not sure if the 'Ohio Lemon Law' is still in effect but am looking into its validity as well as this will have been the third time that these problems have been present. Feel free to contact me directly if necessary at the below listed  means and thank you for your attention to this matter.

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

  **********************

  

  Business response

  08/21/2023

  July 27, 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 July 17, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On June 5, 2022, Mr. ****** entered into a Retail Installment Sales Contract (“Contract”)
  for the purchase of a 2016 Hyundai Genesis from The ****** Auto Group (“Dealer”). Per the Contract, payments of
  $730.58 are due to GLS on the 20th of each month. GLS financed a vehicle warranty product on his behalf.
  
  We are sorry to hear that he is experiencing mechanical issues with the vehicle, and we appreciate him making us
  aware of his concerns.
  
  Please note, GLS records indicate that the credit application was received in June 2022. Per his inquiry, he has had
  the vehicle since February 2022.
  
  On July 6, 2023, Mr. ****** called into GLS to advise that he was having mechanical issues. This is the first instance
  within our records when he notified us of this.
  
  During the call, the GLS representative advised him to get into contact with the Dealer, his insurance company, or
  his warranty company. Mr. ****** advised that he had been in contact with *** National Warranty Corporation,
  and then stated they had assisted with repairs to his vehicle twice already, but that he was not satisfied with the
  results.
  
  On July 18, 2023, GLS sent him an email in response to him regarding his concerns. In this email, the representative
  advises him that per the Hyundai website, there is an open Service Campaign for his vehicle. The representative
  further advised Mr. ****** to get into touch with the Dealer in regard to this matter, so that the repair could be
  fixed.
  
  We have reviewed his concerns and determined that the GLS agents followed procedure and provided him with
  correct information. GLS will not make changes to the account on his credit reporting because GLS is required to
  report accurately under the FCRA. GLS will also reach out to the Dealer to review the repair options that are available
  to him under the Hyundai servicing procedures, and under any warranty product that may cover the repairs.
  
  As of the date of this letter, the account is past due for the July 2023 invoice.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  
  Shannon G********
  Senior Consumer Complaints Coordinator

  

  Business response

  08/21/2023

  July 27, 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 July 17, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On June 5, 2022, Mr. ****** entered into a Retail Installment Sales Contract (“Contract”)
  for the purchase of a 2016 Hyundai Genesis from The ****** Auto Group (“Dealer”). Per the Contract, payments of
  $730.58 are due to GLS on the 20th of each month. GLS financed a vehicle warranty product on his behalf.
  
  We are sorry to hear that he is experiencing mechanical issues with the vehicle, and we appreciate him making us
  aware of his concerns.
  
  Please note, GLS records indicate that the credit application was received in June 2022. Per his inquiry, he has had
  the vehicle since February 2022.
  
  On July 6, 2023, Mr. ****** called into GLS to advise that he was having mechanical issues. This is the first instance
  within our records when he notified us of this.
  
  During the call, the GLS representative advised him to get into contact with the Dealer, his insurance company, or
  his warranty company. Mr. ****** advised that he had been in contact with *** National Warranty Corporation,
  and then stated they had assisted with repairs to his vehicle twice already, but that he was not satisfied with the
  results.
  
  On July 18, 2023, GLS sent him an email in response to him regarding his concerns. In this email, the representative
  advises him that per the Hyundai website, there is an open Service Campaign for his vehicle. The representative
  further advised Mr. ****** to get into touch with the Dealer in regard to this matter, so that the repair could be
  fixed.
  
  We have reviewed his concerns and determined that the GLS agents followed procedure and provided him with
  correct information. GLS will not make changes to the account on his credit reporting because GLS is required to
  report accurately under the FCRA. GLS will also reach out to the Dealer to review the repair options that are available
  to him under the Hyundai servicing procedures, and under any warranty product that may cover the repairs.
  
  As of the date of this letter, the account is past due for the July 2023 invoice.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  
  Shannon G********
  Senior Consumer Complaints Coordinator

  

  Business response

  08/21/2023

  August 11, 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 rebuttal Mr. ****** filed with the Better Business Bureau (“BBB”) dated August 3,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  On June 5, 2022, Mr. ****** entered into a Retail Installment Sales Contract (“Contract”) for the purchase of a 2016
  Hyundai Genesis from The ****** Auto Group (“Dealer”). Per the Contract, payments of $730.58 are due to GLS on
  the 20th of each month. GLS financed a vehicle warranty product on his behalf.
  
  We are sorry to hear that he is still experiencing mechanical issues with the vehicle.
  
  On July 18, 2023, GLS sent him an email in response to him regarding his concerns. In this email, the representative
  advises him that per the Hyundai website, there is an open Service Campaign for his vehicle. The representative
  further advised Mr. ****** to get in touch with the Dealer regarding this matter, so that the repair could be fixed.
  
  We have reviewed his concerns and determined that the GLS agents followed procedure and provided him with
  correct information. GLS will not make changes to the account on his credit reporting because GLS is required to
  report accurately under the FCRA. GLS will also reach out to the Dealer to review the repair options that are available
  to him under the Hyundai servicing procedures, and under any warranty product that may cover the repairs.
  
  Mr. ****** has previously mentioned fulfilling a voluntary surrender. If this is still something he would still like to
  do, he can call our Escalations team at 877-******** for further instruction.
  
  As of the date of this letter, the account is past due for the July 2023 invoice.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

  

  Business response

  08/21/2023

  August 11, 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 rebuttal Mr. ****** filed with the Better Business Bureau (“BBB”) dated August 3,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  On June 5, 2022, Mr. ****** entered into a Retail Installment Sales Contract (“Contract”) for the purchase of a 2016
  Hyundai Genesis from The ****** Auto Group (“Dealer”). Per the Contract, payments of $730.58 are due to GLS on
  the 20th of each month. GLS financed a vehicle warranty product on his behalf.
  
  We are sorry to hear that he is still experiencing mechanical issues with the vehicle.
  
  On July 18, 2023, GLS sent him an email in response to him regarding his concerns. In this email, the representative
  advises him that per the Hyundai website, there is an open Service Campaign for his vehicle. The representative
  further advised Mr. ****** to get in touch with the Dealer regarding this matter, so that the repair could be fixed.
  
  We have reviewed his concerns and determined that the GLS agents followed procedure and provided him with
  correct information. GLS will not make changes to the account on his credit reporting because GLS is required to
  report accurately under the FCRA. GLS will also reach out to the Dealer to review the repair options that are available
  to him under the Hyundai servicing procedures, and under any warranty product that may cover the repairs.
  
  Mr. ****** has previously mentioned fulfilling a voluntary surrender. If this is still something he would still like to
  do, he can call our Escalations team at 877-******** for further instruction.
  
  As of the date of this letter, the account is past due for the July 2023 invoice.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  07/12/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  i purchased a vehicle and the engine blew out. i had the car just sitting and it was 16,000 to replace engine . the company did nothing help me as i contacted them several times so i filed bankruptcy and it took me over a year to pay for an engine to replace. well as soon as i complete this and get the vehicle back from the shop Global sneaks up to my residence at a homeless shelter and takes my vehicle. now they think I'm giving them 8000 to get my car back. i want my money back for repairing vehicle or my vehicle back at regular payments deducting my expensive service to vehicle 2014 **** ***.

  

  Business response

  07/28/2023

  
  
  July 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 July 12, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On January 30, 2021, Mr. **** entered into a Retail Installment Sales Contract
  (“Agreement”) for the purchase of a 2014 *** * ****** from ******* ******* ***** ***********
  
  While we understand his concerns regarding the mechanical issues of the vehicle, our review found GLS followed
  correct procedure. On February 3, 2021, Mr. **** advised GLS, prior to the financing approval, that the vehicle had
  an oil leak.
  
  On February 6, 2021, he advised GLS that he wanted to proceed with the purchase of the vehicle as is, with no repairs
  owed to him by the Dealer.
  
  On January 3, 2023, GLS received notice that he had filed for the protection of Chapter 7 Bankruptcy under the
  United States Bankruptcy code.
  
  On April 6, 2023, GLS received notice that his Chapter 7 Bankruptcy Case was discharged.
  
  On June 21, 2023, GLS recovered the vehicle because payments have not been received on the account, therefore
  the Agreement was in default. While the Mr. **** is not personally responsible for the payments due under the
  Agreement, the amount past due was required to be paid to for the vehicle to be returned to him.
  
  GLS denies his request for monetary compensation regarding the vehicle repairs and for replacement, as GLS is in
  compliance.
  
  If he has any additional questions or concerns, he may contact the Escalations Team directly at ************.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  07/11/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This company is very incompetent in the training of their employees. For 5 months I have tried to resolve an issue with my payment date and a extension. I have spoken when 6 different employees and everyone in this situation gave me wrong information except for one. They refused to take responsibility for the lack of training their employees to know all the same rules and regulations. One was just flat out rude and now I have to pay late payments because of this companys lack of professionalism.

  

  Business response

  08/09/2023

  July 27, 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 July 11,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On July 18, 2018, 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 $351.07 are due to GLS on the 15th of each month.
  
  We appreciate her making us aware of her experience. While GLS trains their agents to ensure they understand
  policies and procedures, any occasion found in our review where she was provided incorrect information, will be
  addressed by GLS management.
  
  On September 13, 2018, our records indicate that she requested to change her original payment due date from the
  1st of the month to the 15th of the month and that her next payment due date after the change would be October
  15, 2018. This change was completed. Since then, our records indicate that she requested another due date change.
  Please note, the account is ineligible for another due date change per GLS policy.
  
  On March 31, 2023, GLS received payment which satisfied her February 2023 invoice and left a $100.14 balance for
  her March 2023 invoice.
  
  On the same day, per her request, GLS approved a one-month extension for the remaining balance for the March
  2023 invoice.
  
  On April 1, 2023, GLS received a payment of $352, which satisfied her March 2023 invoice, and partially satisfied the
  April 2023 invoice.
  
  On April 5, 2023, GLS received the signed extension agreement for March 2023 invoice, but could not process it
  because the March invoice was already satisfied. Our records indicate that GLS attempted to contact her regarding
  the fact that the extension could not be applied, as it was no longer eligible.
  
  Between April 30th – May 1st, 2023, GLS received payments that satisfied April and May 2023 invoices and partially
  satisfied the existing late fee balance.
  
  On May 2, 2023, she contacted GLS to request why her March extension was never processed. She was advised that
  her extension was not applied for the reasons cited above. On the same call, she requested to have all payments
  that she completed on April 1, 2023, reversed from the account.
  
  On May 3, 2023, per her request, GLS reversed all payments completed since April 1, 2023. This reversal, per her
  request, caused the invoices for March and April 2023 to become past due, which led to the assessment of late fees.
  
  
  After this was completed, GLS applied the March 2023 extension to her account, which deferred her March 2023
  invoice.
  
  Please note, we were unable to locate any call recordings which indicated she was treated rudely by GLS agents. If
  she has any additional information related to specific information, we encourage her to contact the GLS Escalations
  Team.
  
  We understand from recent interactions with her, that she wishes now to have the March 2023 extension reversed.
  We are unable to reverse the extension on the account as the account would become past due for her March invoice.
  
  Please note, as a courtesy, GLS has agreed to waive the late fees that were assessed in May and June 2023 due to
  any confusion caused regarding the March 2023 extension.
  
  As of today, her account is past due for her June and July 2023 invoices in the amount of $654.28. We encourage
  her to complete a payment at her earliest convenience.
  
  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

  07/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Not sure who Global Lending Services is but they tried to fraudulently charge my debit card for $540 with no notice!!!! I have no clue who these scam artists are! My car is financed through ****** and the bill has never been late. Please help!

  Customer response

  07/18/2023

  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

  07/18/2023

  July 17, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ****** *****
  BBB No.: ********
  
  
  Dear Ms. R*****,
  
  This letter is in response to the inquiry Ms. ***** filed with the Better Business Bureau (“BBB”) dated July 7, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  Thank you for contacting Global Lending Services LLC (“GLS”) regarding your concerns. GLS is an auto finance lender.
  
  GLS located no account using the identifying information provided within the BBB inquiry. While GLS has been unable
  to identify the payment enclosed with the BBB Inquiry, we can confirm that the funds were not transferred to GLS
  since the payment was declined.
  
  If Ms. ***** has reason to believe that her debit or credit card information was stolen, we suggest she contact her
  financial institution to dispute any unauthorized charges and review further.
  
  
  If she has any further concerns or questions, she may contact GLS’s Escalations department at ***** ***** ********.
  
  
  Thank you,
  
  Shannon G********
  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. ↩